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Beforepay: Borrow up to 3000
Beforepay: Borrow up to 3000 Vs. Wagepay: Access up to 3,000

Beforepay: Borrow up to 3000 vs Wagepay: Access up to 3,000 Usage & Stats

Need to tap into your wages before payday? With simple terms, flexible repayments and transparent costs, Beforepay offers a safe and affordable way to borrow in as quick as 5 minutes. No credit checks, no lengthy applications – just fast funds when you need it. Download Beforepay today and take care of those unplanned expenses, stress-free! Why Beforepay? - Transparent pricing - always know what you owe upfront. - Lightning speed - go from sign-up to cash in your account in as little as 5 minutes. - Safe borrowing limits - borrow only what you can afford. - Budgeting support - tools to support your financial health. - Trusted by 260,000+ happy customers. How it works Finances are complicated enough. That’s why we’ve made Beforepay as simple as we can, so you can focus on the things that actually matter. Here’s how you can access extra funds, quickly, with Beforepay once you download our app! 1. Create an account 2. Connect your bank to verify your eligibility 3. Verify your ID and cash out in minutes (subject to eligibility). How do I make repayments? Repayments are automated and we do our best to align them to your pay cycle. With the Pay Advance, you can choose to repay your loan early (from 2 days after you cash out), delay your repayments or repay in up to 4 instalments. Full repayment for the Pay Advance is required within 62 days (the maximum repayment period). With the Personal Loan, eligible customers can borrow up to $3000 up to a maximum repayment period of 3 months. After you cash out, if you need to change your repayment, you can contact our team for support. How quickly can I get access to my pay? Borrowing with Beforepay is quick and easy, with most customers going from sign-up to cash in their account in as little as 5 minutes! How much does Beforepay cost? For the Pay Advance, Beforepay charges a 5% fixed one-off fee and a maximum of 24% per annum interest for some users. For the Personal Loan, Beforepay charges a 5% fixed one-off fee and a maximum of 24% per annum interest (29.50% p.a. comparison rate^). At Beforepay we’re transparent and straightforward with our loans, providing a full breakdown of your loan and applicable charges before you cash out, so you’ll always know what you owe upfront. What else does Beforepay offer? 1. Spend smarter 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 with our spending insights dashboard. 3. A bespoke budget We look at your spending and help you budget better and plan smarter by creating a bespoke budget for you. No judgement here - just an extra free service from us to you. You can always update and customise your budget in the app! Is Beforepay like Afterpay? Beforepay provides access to cash in your account that you can use anywhere you need. Unlike buy now, pay later (BNPL) services like Afterpay, Beforepay is not attached to a merchant, and only allows you to take out one-loan-at-a-time, making it a safe and ethical way to borrow. At Beforepay, ‘fair’ is our favourite four-letter word, and we’re here to make sure you can relax until payday. 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. 77 Castlereagh Street, Sydney NSW 2000 ^ Comparison rate calculated on a $2,500 loan over a 2-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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Wagepay: Access up to 3,000

Download the Wagepay cash app now, Your Wage, Your Way. It only takes a couple of taps on your screen and a few minutes of your time. Have a portion of your earned wage, up to $3,000, advanced to your bank account and ready to use. It’s time to take back the power over your pay. Why choose Wagepay as your go-to wage advance app in Australia? - Our pay-on-demand service is fast, simple, fair and affordable. - We complete our assessment in seconds using your bank account transaction history. - With instant cash transfers, your wage can be in your bank account and ready to use within 60 seconds (1). - We do not look at your credit history or credit score as a part of our sign-up process. No credit check means your credit score will not be impacted. - We offer reduced pricing for selected customers, saving you even more. - We don't charge default fees, missed payment fees, or hidden fees. - Pay us back automatically after pay day via direct debit. We also offer real-time direct debits, also known as Payto, so there is no waiting for days for payments to clear. Wagepay pay advance Australia offers an alternative to help you avoid: - Expensive payday loan companies that offer small amount credit contracts. - Ongoing credit card debt and cash advance fees. - Unplanned overdraft fees charged by your bank. Wagepay rewards loyal customers with unlockable features such as: - Free bank score tracking to help you improve your creditworthiness. - Free access to Equifax credit score tracking. - Loyalty program with cash giveaways. With over 400,000 users across Australia and thousands of positive reviews from people who love our service, it's easy to see why Wagepay is your go-to cash app for a pay advance when you need your wage before pay day. How do I get my pay now? Step 1: Download and open pay app, then create an account. Step 2: Connect your bank account and we’ll review your finances to determine your wage advance limit estimate. Step 3: Draw down on your account. For most customers, the funds are in their bank account and ready to use within seconds. Discover why Wagepay is the ultimate new way to access your pay on demand by downloading our pay advance app and making your payday today! Frequently Asked Questions Is Wagepay a loan app? While Wagepay does provide you with credit until your next payday, we are not a traditional cash loan. Our wage advances are shorter than personal loans apps like Moneyme, Moneyspot, Nimble, Cash converters, and we are much cheaper than payday loans like small-amount account credit contracts. Is Wagepay a buy now pay later app like Afterpay, Zip or Klarna? While we do have similarities to buy now pay later Australia services, we are not the same. Unlike buy-now-pay-later apps, Wagepay does not offer the model of shop now pay later, we do not limit you to spending your money at specific retailers. You can use your cash advance funds for whatever you like. Is Wagepay similar to other wage advances apps like Wagetap, Beforepay, or MyPayNow? Although we offer comparable wage advance services in Australia, we differ from these other pay advance apps. Wagepay provides payday advances up to $3,000 and features a rewards program to give back to our valued customers. Disclaimers This app is only available in Australia. Terms and conditions apply. Eligibility criteria, fees and charges also apply to Wage Advance products. Customers are subject to eligibility criteria before each Wage Advance, which can vary the amount you can drawdown. (1) Most customers complete the account creation form within 3 minutes. (2) Most customers with an NPP-enabled bank account will receive funds within 60 seconds. For other customers, money will generally be available overnight or, if paid on a weekend, overnight on the next business day.