Borrow Up to $2,000 with a Finance App, Simplified

Beforepay is your financial companion, providing personalised loan support for life's many money moments. Whether you're covering a sudden expense or budgeting for the week ahead, Beforepay has got your back.

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Loans Designed for Real Life

  • Made for real budgets: Access simple, short-term loans designed for real budgets, not perfect situations.
  • Ready to use immediately: We transfer your loan directly into your bank account, giving you the flexibility to pay whatever you need to, however you need to.
  • Get back to what matters: Easy signups and fast approvals mean funds hit your account in as little as 5 minutes.
  • No stress, just clarity: See all the fees and total cost of your loan, upfront. No catch, just cash when you need it.
  • One size fits you: Every loan limit is tailored to you and your circumstances, providing personalised support when unexpected expenses arise.
  • Anytime, anywhere access: We’re completely digital and by your side 24/7. Access extra funds with just a few taps on a smartphone or clicks on a computer.
  • Stay in control: Clear, upfront repayment schedules help you stay on top of your finances and budget for the future.

From sign–up to cash in your account in as little as 5 minutes

  • 1

    Verify your income

    Zero paperwork—just connect your bank accounts in the Beforepay app. We use the same security and encryption as your bank to calculate your loan limit (without impacting your credit score).
  • 2

    Verify your identity

    Fill in your ID details. We’ll do a quick verification check, and then unlock your ability to borrow online in minutes.
  • 3

    Cash out

    Push the button, and money is sent to your account immediately; ready for you to use anywhere!
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Be prepared for whatever life throws your way.

  1. Borrow up to $2000

    Sometimes life throws us curve balls, and you need a bit of extra cash to keep your balance—we get it. With us in your back pocket, you’re always on the front foot.
  2. As quick as 5 minutes

    Not a paper form in sight, and no humans slowing things down. Make a cuppa, and you can sign up online, and have cash in your bank, before your tea goes cold.
  3. Transparent fees

    We lay everything out from the get-go, so you know exactly what you’ll owe–no late fees, no hidden costs–just simple transparency.
  4. Repay in up to 4 instalments

    We’ve got the smarts to time your repayments with your paycheck, so we get paid when you do! Simple, and worry–free.
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‍† Approved loan amounts are subject to Beforepay’s lending criteria and verification requirements.
Maximum repayment period is 62 days. There is no minimum repayment period.
Terms and conditions apply. All applications are subject to credit assessment, eligibility criteria and lending limits. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser. BPG Credit Pty Ltd, ABN 59 673 570 575, Australian Credit Licence 554659, is the credit provider for Beforepay Personal Loans. Beforepay Pay Advance is offered by Beforepay Finance Pty Ltd, ABN 45 636 670 525. Both entities are subsidiaries of Beforepay Group Limited, ABN 63 633 925 505. Level 9, Suite 1, 77 Castlereagh Street, Sydney NSW 2000. Beforepay Group Limited and its Beforepay goods and services are in no way sponsored, approved or affiliated with Quadpay Inc., Openpay Pty Ltd, Afterpay Pty Ltd, ZipMoney Payments Pty Ltd and their associated entities/affiliated companies. Bank logos and trademarks are the property of their respective owners and are used for identification purposes only. No endorsement or affiliation is implied.

© 2026 Beforepay Group Limited. All rights reserved.