Beforepay Reviews 5,510

TrustScore 4.5 out of 5

4.6

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the immediate access to funds and the flexible repayment options that align with their pay schedule, relieving financial stress. The application's user-friendly design and the speed with which funds are transferred to their accounts are also well-received. Consumers highlight the transparency of the process, with no hidden fees, and value the responsible approach to lending, ensuring loans can be repaid. People find the customer service to be quick and helpful. However, some reviewers have expressed concerns about cash-out limits, particularly regarding the size of increases for loyal users who consistently repay on time. A few users reported limit decreases despite timely repayments, and some desire more flexible payment scheduling options. While price sentiment is ambiguous, the overall sentiment toward the company remains positive.

Based on these reviews

Rated 5 out of 5 stars

Immediate access to funds when needed between pay cycles, with clear and reasonable fees. Choice of repayment options to suit budget, debited on receipt of wages. Repayments as agreed may see the amou... See more

Rated 5 out of 5 stars

I know these services aren’t for everyone but this organisation isn’t like any payday lenders I’ve come across. Apart from the obvious mantra of having the best interests of their clients firs... See more

Rated 5 out of 5 stars

Although my limit hasn’t changed (my pay has decreased temporarily due to illness) they have been really helpful when I have needed that extra bit of money to get me through to my next payday.... See more

Rated 5 out of 5 stars

Beforepay has been my go-to app every time I need emergency cash. It’s reliable and delivers cash instantly to my bank account, making life a bit easier when things get tough. The flexible repayments... See more

Rated 5 out of 5 stars

I’ve been using Beforepay for a while now and it’s honestly a great app to have. It’s quick, simple to use, and really handy when you need a bit of cash before payday. The repayments are straightfor... See more

Rated 5 out of 5 stars

With its new and improved money analyzing algorithm. This app makes it easy to and most of all makes it clear that before pay actually works and helps thousands of people living in financial hardship... See more

Rated 5 out of 5 stars

I love that the reminder notifications are prompt and punctual… I tend to forget things easily lately… the little reminders ie… which literally dings an email to notify me of a pending bill due t... See more

Rated 5 out of 5 stars

I have found Beforepay to be helpful, friendly, the app is easy to navigate and understand, and the process of accessing funds has been very easy, efficient and quick. Very straightforward process, n... See more

Rated 5 out of 5 stars

The simplicity and efficiency of the app is what's notable and necessary when you need to come up with funds quickly... 'cause you know, life. I'm impressed with your fees, as in a lender who's no... See more

Rated 3 out of 5 stars

Its great to use when needed but found it a little bit frustrating that they will drop your balance to minimum even though informing them that a repayment is going to be delayed by a day due holiday... See more

Company replied

Rated 5 out of 5 stars

Fast and convenient It’s unclear why my limit can’t increase from $50 when I have multiple steady sources of income which is frustrating aside from that thanks for slinging me a fifty when I’m strap... See more

Rated 5 out of 5 stars

Thankyou, instant funds and I do mean instant. Extremely low cost easy repayment schedule that is flexible. Forget the loan sharks. This is like having a very small overdraft account. Highly recommend... See more

Rated 1 out of 5 stars

when an individual pays back on pay day which is coming every week they stop their advance giving unacceptable excuses and leave the individual in limbo. if you want to use before pay just regular p... See more

Company replied

Rated 5 out of 5 stars

I appreciate the ease of application, and speed of which the money reaches my account. I also appreciate that beforepay does the responsible thing and checks to make sure the loan can be paid back be... See more

Rated 3 out of 5 stars

Flexibility and response are great Payment reschedule is a bit hard as I try to schedule it to th date I get paid and it does not give me an option . This will eliminate payment failure if I have ro... See more

Company replied

Rated 5 out of 5 stars

Beforepay has really helped me when I needed it most. The process is incredibly fast — the money gets deposited into my account within seconds. It’s so convenient and reliable. Thank you for being the... See more

Rated 5 out of 5 stars

Beforepay, has been an absolute life saver. Has never let me down. Like that last piece of chocolate. That's been hiding in the back of the fridge. Only to appear. When most desperate. Thank you Befor... See more

Rated 5 out of 5 stars

I jus could not make it through payday to payday ,but with beforpay i got that all sorted,I don't require a lot of help but having that bit Xtra to fall back on for the tiniest fee, I could not be hap... See more

Rated 3 out of 5 stars

Very odd system they use for determining what your cash rate is. When we have a reasonable amount already in the account (and probably don't need to use this service), it is willing to give us highe... See more

Rated 3 out of 5 stars

You say if I pay my repayments back early it doesnt effect my borrow limit, when cleary it does!!! I have paid everything back on time, the due dates etc... and everytime I have paid it a day early my... See more

Company replied

Rated 2 out of 5 stars

My cash out has decreased even tho I have been making early repayments in full and it still wont go up. I font understand how I can be cashing out $150 and then next im cashing out only $50 it doesnt... See more

Company replied

Rated 1 out of 5 stars

Took $352 from my account for a loan that was paid out 11 days prior. Being extremely difficult trying to get things resolved and asking for me to grant the bank access again through their app.

Company replied

Rated 3 out of 5 stars

I dislike the fact that whilst the funds have been there on the last 2 occasions I had an email to say they weren’t therefore it affects the amount I can withdraw on the next time available. When you... See more

Company replied

Rated 1 out of 5 stars

I wish I could put zero 😪 very disappointed not happy with before pay very poor service I have paid out fully could you please refund back my $840 I need a $1000 before pay keeps reducing 👎my... See more

Company replied

Rated 3 out of 5 stars

Unhappy that even though I always pay back on time and never late, my limits fluctuate due to outside factors not involved with Beforepay. If I have shown I am trusted and always pay back on time then... See more

Rated 3 out of 5 stars

I’ve had a good experience with Beforepay. It was easy to set up. It was easy to connect bank. Funds go in quickly with decent increase offered each time. Lost a star for taking payment before... See more

Rated 5 out of 5 stars

Fast, Easy, stress free process. Funds are available in a flash as soon as everything is processed. Extremely grateful for this company as its definately helped me out when unexpected costs have poppe... See more

Rated 5 out of 5 stars

Great customer service, open and transparent, immediate transfer, is there when iv needed them in emergency, easy and simple process in app to accept and have money transferred. Easy payment plans bro... See more

Rated 1 out of 5 stars

You would not assist me with a loan which WOULD have helped ease my financial stress even though I have a good repayment record, forcing me to again take a pay day loan which puts added pressure on me... See more

Company replied

Rated 1 out of 5 stars

Beforepay firstly approved 2000 years ago when I became a customer. Since then they have lowered that amount significantly. Last time i was 400 paid that and I am now at $50. Nothing has changed with... See more

Company replied

Rated 5 out of 5 stars

I've used this app a few times now and it has been easy to use with all the required documents in check. Used the customer service and its been prompt service and had an issue dealt with in the fir... See more

Rated 5 out of 5 stars

Very quick processing, less than 2 minutes with funds into your account, available 24/7, no paper work needed. I would recommend before pay to anyone who has an emergency and need cash ASAP

Rated 2 out of 5 stars

The customers service officer rod did not help me and ignored my messages. Two days trying to figure out why I could not get in and it came up verify id can't not at this stage . May need more tra... See more

Company replied

Rated 5 out of 5 stars

A very useful and efficient lender for those who struggle with keeping cashflow at bay. I wish it had more insight on increasing the loan amount faster especially for those who pay on time and even pr... See more

Rated 3 out of 5 stars

Have been using the service for quite some time now and most times I have actually paid it back early. Like everyone else have built up over time to the maximum $2000 limit. I recently had 1 missed pa... See more

Rated 3 out of 5 stars

I was disappointed when they lowered my limit same as i started even if i'm paying it promptly. It's just i need to request for monthly payment instead of weekly. I don't know how they come-up with t... See more

Company replied

Rated 5 out of 5 stars

It has been helpful in a time of a number of financial pressures. There is a need to be very careful and realistic about what you can afford to repay and not necessarily use the maximum amount availab... See more

Rated 5 out of 5 stars

I love everything about Beforepay. Despite the amount of times I borrow money from BeforePay I cannot say anything bad about it at all. The money is always ready if anything unexpected things come up... See more

Rated 5 out of 5 stars

Had a minor Hiccup with the bank being disconnected from Before Pay System, but Custom Support quickly rectified the problem, so i was able to resume Your once Services again.. Overall Experience i... See more

Rated 5 out of 5 stars

This company is super handy for weeks needing extra cash. The fact they only allow a certain limit given prior payment history and bank status helps ensure no over borrowing and thus leading to... See more

Rated 2 out of 5 stars

Last few fortnights i had a large limit that I planned to repay over 3 payments but each time paid it in full. Then when I needed the funds for urgent car repairs i once again paid it off in full but... See more

Company replied


Company details

  1. Non-Bank Financial Service
  2. Alternative Financial Service
  3. Payment Service

Written by the company

Download Beforepay to track your spending, plan your budget and access extra funds when you need it to help you pay for whatever pops up. No surprises or hidden costs!


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

6K reviews

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Replied to 95% of negative reviews

Typically replies within 1 week

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Rated 5 out of 5 stars

I have found Beforepay to be helpful

I have found Beforepay to be helpful, friendly, the app is easy to navigate and understand, and the process of accessing funds has been very easy, efficient and quick. Very straightforward process, no hidden extras etc. I have found Beforepay simple to use and very handy for emergencies.

5 February 2026

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