Beforepay Review

Learn about Beforepay's wage advance solutions and their terms, with Savvy today.

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, updated on February 13th, 2024       

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Beforepay is an online pay advance service, allowing users quick access to cash solutions before receiving their wages. Before you decide to use Beforepay's services, it’s crucial to grasp how their service operates, along with the associated costs and terms. Fortunately, you can discover all the details about using it in our detailed review, as well as explore alternative options, with Savvy today.

Rates and product information are correct as of 13 February, 2024.

Beforepay Review

How do Beforepay's wage advances work?

Beforepay, functioning as a pay advance service, empowers users to access up to 25% of their regular wage before receiving their payslip (up to a maximum of $2,000). Upon receiving their funds, repayment can occur either via direct debit from the subsequent payslip or through a debit card payment before the scheduled date, covering the advanced amount along with a fee.
Operated through an app, Beforepay requires users to meet the following criteria:

  • Earn at least $300 after tax per week
  • Working full-time, part-time or as a casual, contractor or on-demand (such as rideshare services)
  • Have a regular pay schedule with income deposited into your account linked to Beforepay, which is also able to be direct debited
  • Meet Beforepay’s risk assessment criteria, based on income, debt and spending patterns

What will the cost of a wage advance through Beforepay be?

Beforepay operates on a simple fee structure, with a 5% flat fee applied to the advanced amount. For instance, if you opt for an advance of $500, you would pay a fee of $25. There are no other charges, including for direct debits or failed payments, associated with Beforepay's service.

Can I qualify for an advance with Beforepay if I have bad credit or receive Centrelink payments?

Beforepay functions as a wage advance service and doesn't conduct credit checks, so having a poor credit history won't necessarily hinder your chances of obtaining a loan. However, they do scrutinise your recent payment record, so any issues with payments to other organisations in the recent past might affect your application negatively.

Moreover, if you receive Centrelink benefits, you may still be eligible for an advance, but these are based solely on your employment income. This means that while Centrelink payments can supplement your total income, Beforepay's criteria for advancing funds revolve around your earnings from employment. As a result, individuals dependent on government payments, such as unemployed single mothers or recipients of veteran payments or age pensions, won’t meet the eligibility criteria for funding.

What are the pros and cons of wage advances with Beforepay?


  1. Immediate financial relief: Beforepay provides quick access to a portion of your earned income before your payday, offering immediate financial assistance for unexpected expenses.
  2. Easy application process: applying for Beforepay is simple and can be done online or through a mobile app, eliminating the need for extensive paperwork and making it convenient for users.
  3. No credit checks: Beforepay doesn't require credit checks, allowing individuals with poor or no credit history to access funds based on their employment and income status.


  1. Fees: while Beforepay offers convenient access to funds, it comes with fees that can accumulate over time, particularly if used often.
  2. Limited borrowing amount: Beforepay limits the amount you can access to 25% of your income, up to a maximum of $2,000, which may be insufficient for larger expenses.
  3. Repayment timing: Beforepay is designed to be repaid from your next payslip, which may result in a shorter repayment period compared to traditional loans. This may put you under more pressure compared to other loans, which allow you to space out your repayments more.

What are the potential alternatives to an advance with Beforepay?

If you’re looking for an alternative option to a wage advance with Beforepay, you can apply for a small loan through Savvy. We’re partnered with a variety of Australian lenders to help streamline the process of securing the funds you require.

Here's the simple process of applying for a small loan through Savvy:

  1. Complete our straightforward application form, providing essential details such as your credit score, income, employment status, and desired loan amount, ranging from $2,050 to $5,000.
  2. Submit your application and receive an instant automated decision from one of our partnered lenders.
  3. Upon conditional approval, your application will be evaluated by your assigned lender, which may require additional documentation.
  4. Upon lender approval, you'll receive formal approval and loan documents outlining your loan terms, fees, repayment schedule, and other relevant information.
  5. After signing and returning the documents, your funds will be promptly deposited into your designated bank account. This can happen as soon as the same day you apply.
Apply now

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The information on this website is of general nature and does not take into consideration your objectives, financial situation or needs.

For loans between $2,050 and $5,000, the APR is between 21.24% (minimum) and 48% (maximum) per annum. Comparison rate of 65.4962%. Minimum term is 16 days and maximum term is 24 months. The cost of the loan is a $400 establishment fee and monthly interest charged on the amount borrowed. For example, a loan of $3,000 over 3 months with an APR of 48%, (comparison rate of 65.4962%), will have an establishment fee of $400, monthly repayments of $1,225.20. Total repayments of $3,675.60 and total interest payment of $275.60.

Warning: A comparison rate indicates the true cost of a loan. Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.