Managing my finances
Snowball vs Avalanche: Which Debt Repayment Method Works Best?
Snowball or avalanche? Learn the differences between the two popular debt repayment methods and which might work best for your situation.
Managing my finances
Should I Use a Loan to Pay Off Another Loan?
Can you take out a loan to pay off another loan? Yes. But should you? Learn when it might help, when it could backfire, and what to consider beforehand.
Managing my finances
How to Consolidate Debt: Practical Ways to Combine Multiple Repayments
Learn how to consolidate debt across credit cards, loans and BNPL. Explore practical options to simplify repayments and regain control of your finances.
Managing my finances
Resources
Everything You Need to Know About Beforepay
Learn what Beforepay is, how Pay Advance works, eligibility criteria, and how to use our budgeting, insights and Compare & Save tools.
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.
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
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.
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.
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.
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.
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.
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.
We are on a mission
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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.
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Easy budgeting
Budgeting is tough, so we look at your spending and create a tailored budget that you can also customise.
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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.
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Loving you 24/7
We know questions don’t pop up on schedule, so we’re here 24/7
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We play it safe
We value and respect our customers, that includes their data.
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Name the place & time
We know you get around, so with us you can access your pay anywhere. Anytime.
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