It's great being the good guy.
We’ve won ethical lender of the year 4 times in 2 years because we put our customers first. Why borrow anywhere else?
Beforepay helps everyday working Australians take back control of their finances, and navigate life’s financial ups and downs.
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Interest-free
We keep lending simple by charging only a fixed 5% transaction fee that’s split across your repayments—no interest, no hidden costs, no funny business.
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No late fees
With no other fees, we don’t make money from getting our customers trapped in debt (unlike some other lenders or other forms of credit).
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Spending insights
and budgetingGet on top of your finances with the spending insights and budgeting tool in the Beforepay app.
Borrow money
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Verify your income
Zero paperwork—just connect your bank accounts. We use the same security and encryption as your bank to calculate your loan limit (without impacting your credit score).
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Verify your identity
Fill in your ID details. We’ll do a quick verification check, and then unlock your ability to borrow.
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Get cash out
Push the button, and money is sent to your account immediately. Our eligibility criteria and limit assessment ensures your loan limit is safe and affordable.
Get spending insights
Use the insights dashboard in the Beforepay app to track your income, monitor your spending habits and view upcoming bills.
See common use cases for Beforepay.
Create a budget
Our app shows you where your money goes, and where you can make improvements with a budget that’s tailored to you.
In the Beforepay app, we can automatically create a budget tailor made for you. Or if you prefer, make one yourself, and track your expenses as you go.
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