Beforepay

Have never missed a payment, have rescheduled payments and have paid an extra payment a few times. Have tried to access my account, it comes up connect bank account, have followed through with them. They claim it has gone to debt consolidation because of missed payments. No, the payments they are saying were missed were rescheduled and paid the… Read more

following week. Had no emails or letters from them stating I have missed payments. I finished off a loan and was able to take another one out and then the same week cannot connect to bank. Make it make sense. Nothing has bounced back, nothing has been emailed or letter.

Honestly guys don't waste your time with this mob. No less than 5 or 6 times i've tried to activate an account but everytime i try i'm told "they can't verify my identity". This problem is clearly on their end as all my personal information given to them is true, accurate and up to date and everytime i try and resolve this matter with them they… Read more

ask me to provide different types of i.d. that i have already done several times and all i seem to ever get is generic, cliche responses without this issue ever being resolved. Wagetap, wagepay and mypaynow are much more professional and a whole lot less hassle free.

Warning Before You Pay – They Will Punish You for Questioning Them Edit: After going back and forth with this company and catching them in multiple lies, I checked the app this morning and saw that my cash-out limit was suddenly reduced to $50. This happened after I had already made a payment — and they still took more than they should have.… Read more

Clearly, this was done as punishment for questioning their shady repayment practices. I’ll be deleting my account after this. Completely unacceptable. The app is easy to use, but the repayment system is a nightmare. They offer payment options like Osko or PayID, but what they don’t tell you is that if a direct debit is scheduled, they won’t acknowledge your manual payment — even if you paid on time. Here’s what actually happened: I made my final payment via Osko at 3:30 AM on 14/08/25. Later that same day, they still processed a direct debit for the same amount. When I raised the issue, they refused to accept responsibility and claimed I tried to pay “24 hours early,” which is completely false. Then they said they’d refund the PayID payment — but how about not taking it twice in the first place? For a $100 cash-out, I ended up being charged over $150. When I asked for answers, they tried to shift blame to me, despite clear evidence from my bank. I had to argue just to get basic information. That’s not how any company should treat a customer. To make things worse, they tried to show me a screenshot of a so-called “13th payment” supposedly scheduled for the 14th — something that didn’t match anything in my records. The screenshot had no account number, reference, or any proof it belonged to me. The dates and amounts didn’t match my bank history either. It felt like they were fabricating records or showing someone else’s. Bottom line: This company manipulates repayment records, punishes customers for asking questions, and refuses to own up to mistakes. I’ll trust my bank over them any day. This is the last time I use this loan shark. Avoid

Excellent Service – I would definitely recommend Beforepay. They have helped me in hard times and always friendly when emailing staff. Yes there have been fortnight’s where I can cash out as little as $50 and the next time it can be $2000. They have rules and I just appreciate any help they give… Thanks Beforepay I will definitely recommend you to my friends

Great service & responsible lenders – I have found Beforepay great. They lend responsibly and within what I can afford. Not predatory with no massive interest unlike payday lenders. Fantastic service.

Fast transparent and trustworthy – Fast easy and fair. Cash out amount goes up and stays up or is reduced fairly based on your bank activity. Very fast process, fees are transparent and reasonable. Credit rating not an issue. Show details

This company is yelley me some one is trying to hack my account . But they won't give me the email address being used to report it. They won't close my account because I have to verify the account but its not email address so I can't do that. You can't speak to anyone it all through messaging. This is ridiculous!!! Show details

$800 limit to $50, never missed a payment, paid early and get limited. I’m able to manually repay my loan early but I can’t afford a new one? Reporting this to the AFCA as this would absolutely put people in financial hardship thinking they can renew their loan when they haven’t done anything wrong. Hope you get investigated.

Been lending through them for years now – They're pretty good my only problem is the amount they lend fluctuates very regularly so you couldn't rely on the amount being available to lend.. Besides that they are good. Show details

STAY CLEAR – Utter shambles, I don't even trust the legitimacy of this business type, from connecting to bank transactions to the customer service without any dedicated phone number, only by email. Even a straightforward account removal, constant request for personal info. NEVER AGAIN.

Limit dropped on Beforepay for no reason – Really poor system to use. At first when signed up you get between $400-$600 house based on your wage/spending habits. I started on $600 limit, spent $400 across 3 payments, paid before the due dates, then got an update email to say my payment habits dropped to $50. I emailed them asking why, their automatic response was that they go off my pay… Read more

and spending habits, I responded to say nothing had changed my wage is the same, same bank account and I paid all up before their due date. No response back. Really disappointed asthis was away to help any emergency or extra cost if away. I've used Beforepay for a couple of years with no issues until now.

Insulated – Always change amount when it’s convenient to them try Wagepay easy to use spilt into two payments you can choose less if it’s more affordable great I was only offered 50 which I wouldn’t accept ever Wagepay all the way

Terrible – I stupidly signed up to this yesterday but I decided that I didn’t want to proceed any further when it asked me to log into my account details. Security wise I just didn’t think it was correct. I decided not to proceed any further. I’m trying to cancel the Account. I have sent an email using the email account that I signed up with and you people… Read more

are demanding that I give you personal details via an email.

Closing an account that is not actually going to be used should not be this hard.

There should be a functionality within the actual app itself without having to provide personal details via an email.

Dishonest Harrassment - Easier talking to a brick wall – Stay away at all costs. They do no listen to what you say, they repeated try and take repayments are even though they are aware of your pay cycle and they take more than what the repayment should be. I had the correct repayment in my account for a week waiting for them to take it out. When I checked my account the repayment amount is still in… Read more

there but so are 2 direct debit failure fees for the same day. They obviously have been trying to taken more money the agreed amount. STEAR CLEAR - USE MY PAY NOW

A total rip off – Constantly changing limits seconds after you made your payments. Not even clarity of this before you pay. Doesn’t matter if you have been doing so very responsibly for years or if you never missed a payment, doesn’t matter how many times you paid in advance before any deadline, doesn’t matter that you paid thousands being a client for years with… Read more

impeccable responsibility. Or if your last loan limit which you paid in advance as many other times was $2000 and now oh surprise the limit is $50. ?? How do they even assess this? Technical issues, lame replies, zero responsible customer loyalty, a complete rip off. And yea they do charge for it obviously. So No interests is just a marketing deceitful statement. I would suggest you better find other options. Being a client of BeforePay is surly a regretful experience

Extremely simple and fast to apply. Great help to obtain cash when encountering last minute issues – Very simple to apply and can be a life saver when you need a small amount of money when having issues with CC Show details

Before $50 – I usually borrow $700 but lately it’s always a offer of $50 I mean I wouldn’t accept because that would do anything the customer service is fast response but don’t really answer why I can’t get more than $50 seem like they play it safe and give you nothing and still make money off fees which there is nothing in it for us I honestly don’t think… Read more

it’s even done by a person because that amount does not help before payday at all it is unfair when you have always paid the amount back and had many loans you think you will build some honesty so I don’t think I will use them again

They steal your money – Tried to take payment, got declined. They advised the next day that they would try again in 2 weeks. 24 hours later the money was gone from my account without warning or notification

Terrible - reduced limit - customer service poor – Terrible Limit reduced without reasons and they claimed my circumstances have changed, if anything they approved Don’t bother with this company anymore - they don’t listen - literally punish you for repaying early And change the rules as they go Reporting them to the AFCA for deceptive and misleading conduct Show details

Dont count on availability – Not to be relied upon in times of need otherwise ok. I found it great at first, but as it monitors your bank account constantly, even if you have paid it off on time or prior to the due date it fluctuates on what is available to you. So this time it may be $400 short term, then $50 next time for short term. So if you really need $400 for a bill or emergency, you cant count on the help, as it may not be there this time. Show details

Sketchy and unreliable – As most of the other, more recent customers of Beforepay that have posted here (the last 6 to 10 months I think) my limit went from over $1100 down to $50 when my circumstances have NOT changed, despite Beforepay saying that would be the likely case for a drop in limit, then in about 5 days, shot back up to $1000. Next time, same thing but down to… Read more

$50 and remained that way for over a week, one again then going up again, this time to $1500. My payment was due yesterday and lo and behold, I don't simply have a credit limit decrease, I've no balance to withdraw and a message on the app saying 'Awwww we're sorry, we can't help you this time' WTH?! I haven't had any negative circumstance change, in fact, quite the opposite!!! I also notice they do not seem to 'check' your outgoings after a payment is repaid to them, yet seem to have a random bank balance that was from a completely different time period that is perhaps not in as good of shape that it would be around salary time....I think this must play a factor but its not accurate or current! I also believe they're monitoring your bank account at any given time as they decide this mass limit decrease when you've not actually 'applying' for credit yet already telling you 'no'. Is that ethical? My understanding is lenders can access to check when applying for credit, not simply because you 'might' want to borrow again. It's a bit shifty. They cannot know my circumstance for the following month. Never again. **side notes** any comments customers may have made on any of the Facebook Before Pay posts, have been removed. Previously there were loads of comments anytime Beforepay put a post on their pages regardless this ridiculous assessment process, yet now? Nothing. As another person posted here 'why are you looking in to people's bank accounts and tracking spend?' You did a credit check when we first applied and if a long time and loyal customer has never missed a payment, even on a larger limit, why suddenly deny or cut limits?

Bad service and unfair assessments – When I enquired about my credit limit decreasing yet again I was given the run around about how the system does this automatically this is not the first time and I think this company needs to have this rectified as the system doesn’t take into account joint bank account and when this is mentioned all you get is “We recommend that you get you… Read more

husband to use a different bank account” considering the reviews I have already read I think this system need to review how the system calculates the limits I have never had any issues with any of my repayment yet I still get this all the time and usually when my income increases

It’s not fair to be looking into someone’s bank account for what they spend their hard earned money on if you always get your payment made on time

The very worst of the pay advance apps – I have been battling for 18 months for these people to fix my account up. I get paid monthly $6000 and they allow me $50 advance. The worst thing is they don’t align my pay so I have less than a week to pay it back. Every single month for the last 18 months I ask them to align my pay. The same pay. The same company to monthly pay. Every month they… Read more

say it’s fixed and the next month, the exact same thing occurs. I think your system is broken. They are losing money cause of its idiot system and poor customer service.

Dropped limit with zero explanation for the 2nd time – So after a few weeks of having my limit dropped to $100 it went back up to $1300 with no explanation...was all good for a few weeks got out loans and paid them all back on time went to take out more yesterday and they have again dropped it to $100 3 weeks after I paid off $300 with no issues or delays. This is actually ridiculous people rely on these services and it's not fair to the people like myself who do everything right...

A total rip off – I’ve used this services since they started. Never had an issue. Never missed a payment. Paid almost every time in advance and my limit was severely decreased from one day to the other. My job didn’t change. My income didn’t change. My responsibility didn’t change. But non the less BeforePay just imposed whatever they thought to my account. Thanks… Read more

BeforePay but no thanks and for the money you charge doing something like this is a complete joke and rip off. Avoid this services like the plague