Beforepay
Leading ethical provider of safe, affordable, and transparent financial products that support working Australians through life’s many moments.
Core Capabilities
Beforepay uses a robust, fully-automatic risk platform, built entirely in-house, capable of securely assessing thousands of loans per day with minimal human intervention.
Real-Time Access
Near-instant 24/7 fund disbursement using the New Payments Platform (NPP).
Smart Insights
Automatic budgeting tool and personalised financial insights to help customers track and monitor spending habits.
Pay Cycle Detection
Aligns and schedules loan repayments with the user’s pay cycle.
Products
Beforepay credit products are designed to give customers clarity, confidence, and control over their finances.
Pay Advance
Flexible and accessible loans of up to $2000 to help with unexpected expenses.
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Personal Loans
Short-term loans designed for real life and real budgets.
Regulatory Positioning
We believe that lending should be inclusive and accessible, empowering customers to manage their finances. As such, we are committed to providing financial products and services that are both compliant and supportive. We actively engage with regulators to ensure our products and processes are safe, transparent, and effective.
Compare the difference
How Beforepay compares against payday loans.
Our Awards & Recognition
Recognised for the development of an open-banking-powered affordability engine that assesses a customer’s financial position using their transaction data accurately and in real-time.
Recognised for the implementation of customer-focused safeguards, automations, and affordability checks in Beforepay’s lending processes.
Recognised for Beforepay’s flagship Pay Advance product which provides working Australians with 24/7 access to fast, fair funds with no hidden costs or credit checks.
Recognised for Beforepay’s commitment to providing working Australians with safe, affordable, and ethical solutions to temporary cash shortfalls.
Recognised for the Group’s significant and sustained financial growth from FY20 to FY23.
Available on iOS & Android
Join over 1.5 million Australians who manage their finances with Beforepay.
Download the App
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Ethical fintech committed to improving financial wellbeing through transparent, responsible, and technology-driven solutions.
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