Beforepay: Borrow up to 2000 4+

No interest; no hidden costs‪.‬


    • Free

iPhone Screenshots


Access up to $2000. No interest or hidden costs. Just a fixed 5% fee.

We could all use extra cash sometimes. With Beforepay you can access up to $2000 in less than 5 minutes.

It’s quick, flexible & easy so you can get instant access to up to $2000 today. No interest or hidden fees. Just a 5% fixed fee. Seriously.

Why Beforepay?

- There is a fixed transaction fee of just 5%, meaning if you take out $100, our fee is only $5
- No interest
- No additional fees
- No hidden fees
- 750,000+ happy customers
- We create a bespoke budget for you to help track your spending

When is my repayment due?

Beforepay offers flexible repayment options you can choose from. You can repay your Cash Out early using the Repay Now option at any time after the minimum repayment period of 2 days. Full repayment is required in 62 days (the maximum repayment period). Your scheduled repayments can be modified in-app after Cash Out or by contacting our friendly support team.

After you Cash Out, if you need to change your repayment, you can use the Delay functionality found in the app or contact our friendly support team for help. Pick what works for you!

What does Beforepay offer?

1. Get small loans up to $2000.
You just pay us back in instalments that you select, alongside a 5% fixed fee (no interest) and of course, we don’t have any hidden fees or charges. It's just not our style.

For example, if you borrow $300, you can select a repayment schedule that works for you. This could be a few days to a couple of months. Regardless of the repayment schedule, the total amount you would pay back is $315. If you chose to repay in 3 instalments, each instalment would be $105. Similarly, if you decided to pay back in one instalment, you’d pay $315. There is no interest or hidden fees.

2. Spend smart
We could all spend smarter. We’ll help you understand your income, your spending habits and make sure you can see what bills are coming up.

3. A bespoke budget just for you
We look at your spending and help you budget better and plan smarter. No judgement here. We’ll even create a budget for you, just an extra free service from us to you.

How exactly does Beforepay work?
We’ve made Beforepay as simple as we can; after all, who has time to translate a whole lot of financial jargon?!

1. Download our app
2. Check you meet our criteria
3. We verify your income
4. We calculate your Cash Out limit
5. You can take out cash immediately
6. We set up a bespoke budget for you to track your spending
7. You make flexible automatic fixed 5% fee repayments. No interest or hidden fees.

How much does Beforepay cost?
It’s completely free to download our app, and to use our budgeting and spending insights tools.

There is a fixed transaction fee of 5% of your pay advance. So if you take out $100, our fee is only $5. There is no interest ever (APR = 0%).

There are NO other fees.

At Beforepay, ‘fair’ is our favourite four-letter word, and we’re here to make sure you can relax until payday. So download our app now and see why we have over 750,000 happy customers (and counting).

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.

What’s New

Version 4.20.21

Various improvements and performance enhancements.

Ratings and Reviews

4.9 out of 5
27.5K Ratings

27.5K Ratings

subs ,

Quick approval process 👍

I’ve been using before pay since January 2021 and since then I have built up a good reputation paying back the loan in easy instalments and the company has since increased my loan to $500-$1k and the payments can be spread out in equal fortnightly payments and I have the option paying out the loan early which I normally do. I prefer to use this service as they don’t put a dent on my good credit score and the approval process and depositing of funds only takes less than 5mins. Customer service is very attentive and friendly and they are willing to answer any questions before you sign up. Thanks I will be using your service indefinitely.

Tam001347 ,

Dismal, targeting those who don’t have a lot of money

I was utterly shocked with this App and also how the app functions within itself. It really seems they are just trying to pull in mid-low income people, false promises ect, you got to be Rich to use this, the app does not synch properly with bank account, I was told after lending the 50, that I would not be eligible for anything else due to the grossly inaccurate synching with banking, heck apparently I will be down 5 grand in two weeks according to the app, again mainly targeting those to spend the $5 to get a card on your phone, to which you cannot use, I messaged they are not helpful, despite working full time, earning quite a lot for a very long time, I was told that I would need to wait until my financial situation changed to be eligible to use this card with the funds from FU pay
Uhhhh well that’s never going to happen due to your app not synching properly and coming up with me being 5 grand down wow I actually save money into the next work week but ok , I was told by customer support it was such a dynamic system 😅 and that it was certainly accurate and again my financial position changed, odd. I have reported to AFCA for also not following rules and regulations.
If that didn’t top it off! It was 3-4days before I got the funds.
I see a lot of paid 5 star reviews that are false here also

kazdoggy ,


Wow. I just went to write a review but I don’t think I need too - I just need to echo what’s already been left here. I too have just had a harrowing experience with Beforepay, a service I have been using for almost a year. Never missed a repayment, always paid back on schedule, built up a good profile and my borrowing limit was increased to $1500. Withdrew $1450 (just under the limit) every fortnight for the past few months. Went to make my typical withdrawal after my repayment this week - my limit has been reduced to $50. $50!!!! Having read this now happening to multiple others here; I now believe this to be a huge SCAM and will be reporting Before pay to the consumer watch dog. I haven’t finished with before pay yet. DO NOT USE THIS SERVICE, you will all get cut off at one point and be left in financial hardship. I am now without money for two weeks until I get paid again. I don’t know how I’m going to pay my rent, shame on you Beforepay.

Developer Response ,

Hi kazdoggy. There are a number of factors that might cause your Cash Out limit to change, such as changes to your pay cycle, bank account or spending behaviours. It's best to contact us directly so our team can look into your account for you. Please email with the email subject 'Review Response' to discuss this with our team further.

App Privacy

The developer, Beforepay, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics
  • Other Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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