Working through bills to cover a small timing gap before payday.

Managing my finances

Budgeting and saving

The Real Cost of Common Small Money Gaps

Small money gaps add up fast. Learn how everyday timing gaps affect your budget and how to plan for them.

6 minute read
Woman reviewing bills and weighing options to cover essential expenses.

Managing my finances

Pay Advance vs BNPL: Which is Better for Essential Expenses

Pay advance or buy now pay later? Learn the key differences when paying for essential expenses like bills, repairs, and medical costs

6 minute read
New Year resolution planning for 2026, with an open notebook, action notes, and a diary symbolising saving money and personal goals.

Managing my finances

How to Save Money and Hit Your New Year Resolutions

Want to keep your New Year resolutions and boost your personal finances at the same time? Discover the benefits of paying yourself as you progress.

6 minute read
Woman gardening at home, potting flowers indoors and enjoying a simple, affordable hobby.

Managing my finances

5 Cheap Hobbies to Try in 2026

Looking for a new obsession? Explore 5 exciting hobbies you can pick up in 2026 without breaking the bank.

7 minute read
Piggy bank and budget tools symbolising control over your finances.

Managing my finances

Budgeting and saving

How to Use a Budget Planner to Take Control of Your Money

Take control of your money with a practical budget planner. Learn how to budget using 50/30/20, zero based budgeting and other methods that actually work.

10 minute read
Coins stacked on 2026 blocks, symbolising saving money.

Managing my finances

Budgeting and saving

How to Save Money in 2026 and Beyond

Discover how to save money in 2026 by setting up smarter habits, spending more intentionally, and splitting your savings into dedicated buckets.

10 minute read
Person reviewing electricity bill details to compare utility costs

Managing my finances

Budgeting and saving

How to Compare Utility Providers and Save Money on Your Electricity Bill

Are your energy prices too high? Learn how to compare utility prices and save money on your next electricity bill.

9 minute read
Couple exploring pay advance options on mobile.

Managing my finances

Hear Us Out: An Alternative to CommBank AdvancePay

Looking for an alternative pay advance option to CommBank AdvancePay? Beforepay has got you covered.

4 minute read
Woman lying on bed, thinking before making a purchase.

Managing my finances

Budgeting and saving

What is the 48 Hour Spending Rule?

Discover the 48 hour spending rule and how it can help in breaking impulse buying habits and promote money mindfulness.

7 minute read
Couple discussing costs of renting vs. buying a home.

Managing my finances

Renting vs Owning: Understanding Your Housing Options

Not sure whether to rent or buy in 2025? Explore the pros, cons, and financial impact of each option to make the best decision for your lifestyle and budget.

5 minute read
Plumber fixing pipes under a sink.

Managing my finances

How to Build a Home Emergency Fund

Learn how to prepare for unexpected home expenses with this practical guide to building a home emergency fund and managing emergency repair costs.

7 minute read
Family enjoying a weekend watching TV together.

Managing my finances

Budgeting and saving

Why ‘No Spending Weekends’ are Trending and How They can Help You Reset Your Finances

A new trend is taking over TikTok – the “No Spending Weekend.” Learn why it’s resonating and how it can help you reset your budget, mental health, and money goals.

4 minute read

We are on a mission

  • Rocket ship

    Wages without waiting

    Traditional pay cycles make you wait for your pay. We’re here to help you access the money you’ve worked hard for, when you need it.

  • Budgeting goals badge (arrow in bullseye)

    Easy budgeting

    Budgeting is tough, so we look at your spending and create a tailored budget that you can also customise. 

  • Repay the smarter way badge (lips)

    Transparent fees

    We’re upfront about fees from the start, so you’ll always know what you owe before you borrow—no surprises along the way.

     

  • support image

    Loving you 24/7

    We know questions don’t pop up on schedule, so we’re here 24/7

  • secure image

    We play it safe

    We value and respect our customers, that includes their data.

  • access image

    Name the place & time

    We know you get around, so with us you can access your pay anywhere. Anytime.

Download

4.8 Stars

Join 700,000+ happy Aussies!