Obviously, there are a lot of best apps like Beforepay Australia but what are there, what makes them different, why should you leave Beforepay and use them when you can get everything you need with Beforepay? These apps are either a combination of both features or have their own individual unique selling point that might want to motivate you into using them.
In this post today, I’ll be listing out all the top Beforepay alternatives for Australia that you can use as cash advances before your payday comes. We all go through unforeseen circumstances that require quick cash loans and these apps are like a lifesaver to many hence why it is very important we constantly update you with the list.
What is Beforepay App Australia all About?
The Beforepay loan app is one of the most popular loan apps in Australia that gives you a cash advance loan from $50-$1500 of your next pay just before your payday actually comes.
Just like the name implies, you can get a loan on the app with a flat fee of 5% with no interest rate before your salary comes. If you are a salary earner and this app is not enough for you but you are looking for other alternative apps like Beforepay, then this list of apps like Beforepay is what you don’t want to miss.
Top 13 Apps Like Beforepay Australia
There are many best loan apps like Beforepay Australia that can pay you cash advance loans of up to $5000 before your next payday but not all of them have fast approval and are reliable like Before Pay. If you are a salary earner and need apps like Beforepay to take a cash advance loan, below are the top 13 online loan apps like Before Pay.
1. WagePay
WagePay just like the name implies is one of the best loan apps like BeforePay Australia that helps you take a salary cash advance before payday. The app helps you take a cash advance loan of up to 25% of your current wages and repay back with a tiny one-time extra fee of about 5% of the total loan amount.
This app however is not as common as CommBank AdvancePay and Latitude due to the short period it might allow you but it is one of the lifesaving apps you can take out a quick cash loan fast and repay back on your next payday with minimal interest rates.
2. Earnin
Earnin is another great payday cash advance app that is similar to Beforepay. Earnin is connected to your company’s payroll system to automatically track your work hours and the total wages you have earned then determine the amount you can take on-demand as early wage payment.
Earnin is more popular in the Western world with a presence in more than 2 countries. It serves more freelancers and online business owners at least better than it does for offline salary earners who might be interested to use them. For example, if you work with a freelancing platform like Fiverr or PeoplePerHour, Earnin can be integrated with your profile which would enable it to see the amount you are earning in the freelancing platform to determine the amount of money that you can request for as loan before the next scheduled payday.
3. MyPayNow
MyPayNow is another great app like Beforepay Australia. It is integrated with your company payroll system to calculate your wages and prequalify you to borrow a portion of your wages. It has good success rates and high approval rates since you already earned money from your employer.
MyPayNow is also very popular among salary earners in Australia because it kind of simplifies how loans are gotten. MyPayNow says you worked so hard for your money and there should be no restrictions to request your salary now and get paid and so it makes them another alternative to Beforepay Australia.
4. MyPayFast
While this is also one of the best apps like Beforepay Australia, it is a little bit strict for low-income earners and operates in a slightly different manner from WagePay and Latitude. You’ll need to connect your bank with the app which automatically detects if there is a consistent inflow in the account.
Mypayfast helps you track all your income and expenses and when the need arises for you to take a cash advance loan, it gives you access to part of your funds even before the day you will get paid. The app won’t work for you if you don’t have a weekly inflow of $480 or more.
5. Latitude
Latitude is one of the best apps like Beforepay Australia that operates in a similar manner. Although this app is owned by a company called Latitude Financial Services is dedicated to offering any kind of loan to customers. However, it has a dedicated feature that is called LatitudePay that can also be used to pay for products and services before your next payday without any form of interest rate.
The repayment option works in a manner similar to getting a credit card from your bank but works on online and eCommerce websites perfectly. Latitude also provides BNPL services for Australians through their line of credit services which provides you with a credit card that can be used for your amusement.
6. Wagetap
Without thinking twice, Wagetap is also one of the best apps like Beforepay Australia owned by digital services Australia V Pty Ltd. It is one of the best Beforepay alternatives out there to take a loan. Wagetap has been very popular too in terms of providing access to early wages for people who earn salaries.
As one of the apps like Beforepay, it works similarly to Wagepay too which is also one of the best apps like Wagepay. Just that the maximum of your wage that this app can offer is $300 which that is just a starting point for Wagepay. When you compare the two side by side, it would be very obvious however that Wagepay is far more advanced than Wagetap.
7. CommBank AdvancePay
CommBank AdvancePay is another reliable and trusted loan app like Beforepay that enables you to take out a cash advance loan to pay for any emergency before your next payday. This company has been in existence for a long and has a lot of success stories on the internet.
With CommBank AdvancePay, you can take a minimum loan of about $300 to any amount before your next payday. This loan would have a single $5 fee for every $500 you take. That means you will pay a $5 fee for $500 and $10 for $501-$1000, etc.
However, if you default to repay your loan, you might be penalized and other fees applied to your account. But it is one of the best alternatives to the Beforepay loan app.
8. Payactiv
Payactiv is another interesting loan app to access your earned wages on time even days before your actual Payday. You can get paid ahead of your salary before getting paid by your company. Even companies can sign up and offer these opportunities to their employees.
As one of the best loan apps like Beforepay, you don’t need much to be qualified. The company has been online since 2012 and has garnered a lot of positive feedback from customers they have served.
9. PressPay
PressPay also tops our list of the best apps like Beforepay. It is one of the simplest and better options compared to other alternatives. This app has been saving many people and can offer you up to $1000 while it is automatically deducted from your next payday.
This app only requires your mobile number and your account would be set up while you link your bank account with it for automatic deposit and deductions on your next payday.
10. ZayZoon
ZayZoon although not too popular has been proven to offer next payday loan opportunities to employees. The app is integrated with a lot of Payroll systems and companies can integrate it with their solutions too to provide instant. Thanks to its algorithms that automatically detect your income and decide the amount you are qualified to take as a loan.
ZayZoon is not just an earned wage access provider but also on-demand payment solution services that also provide financial health assistance to customers in other to help them become financially stable through its app.
11. MoneyMe
MoneyMe also works in a similar way to BeforePay but is more of a loan app than a before pay app. This loan app isn’t quite clear about what it is offering to customers. MoneyMe offers almost 6 financial services including credit score boosting, debt consolidation loans, ListReady funds to list your property, personal loans, Autopay car loans leveraging dealers and brokers, and Freestyle credit card which allows you to spend any.
With MoneyMe Freestyle credit card you can have access to a credit spending limit of up to $50,000 while Autopay would grant you car loans faster and easier than any bank could ever do for you.
What is similar to Beforepay Australia?
Earnin and MyPayNow are the most similar apps to Beforepay Australia. The apps provide integrated services that make borrowing from your wages easy and faster. While these apps are all similar to Beforepay Australia, they also have their own uniqueness which makes them stand out.
They provide partly or more than all the same services that Beforepay provides. You don’t need to have any money to get their loans because your employer would already have been fully integrated with the platform.
What Are Before Pay Apps?
Before pay apps are those apps that help you pay for your purchases online or offline supporting stores and payback on your payday or using other sources like Chime. Before pay apps are also those apps that enable you take instant earn wage access before your payday.
In Australia, there are a lot of before pay apps that have been helping people pay for groceries and other shopping before their payday. The best of the before pay apps are the likes of Beforepay, Afterpay, Wagetap, PressPay, among other reputable ones.
These apps have been so popular that each of them has gathered over 50k verified customers and gained the trust of business owners and employees. The security about these apps is that your employer must be using it before you can use it which is its zero worries for you whether or not you’d get approvals.
Apps like Mypaynow Australia
The best apps like MyPayNow Australia include Beforepay, Cash Converters, ZayZoon, MyPayFast, Wagetap, PayActiv, PressPay, WagePay, Latitude, and CommBank loan apps. These loan apps operate in the same manner which is helping you pay for goods and services now before your payday comes.
MyyPayNow alternative Australia also gives quick emergency cash loans to Australia and some of them don’t need a job to get on their scorecard.
MyPayNow vs Beforepay
MyPayNow allows you access to pay for goods and services without your physical cash while Beforepay allows you to take a payday loan for up to half your wages and pay it back when it’s time. Both MyPayNow and Beforepay can serve as on-demand payment solutions but comes with different charges and other benefits.
Apps Like Wagetap Australia
The best apps like Wagetap Australia include MyPayNow, WagePay, Beforepay, Cash Converters, ZayZoon, MyPayFast, Latitude, CommBank, PressPay, and PayActiv. They all operate as pay-on-demand or before-pay apps in Australia otherwise known as Buy now pay later (BNPL) apps.
They are a lot of similarities between these apps as they also help customers pay for their goods and services or allow them access to their salary before their payday.
What App Lets You Get Paid Early Australia?
Some of the best and trusted loan apps that lets you get paid early Australia include Wagetap, Wagepay, Mypaynow, MoneyMe, Beforepay, Latitude, Mypayfast, etc. These apps are all early wage access providers in Australia that you can always run to any time you are in an emergency and don’t have money to foot your bills.
Some of the apps would require your employer to be enrolled in their system before you can apply for their instant loan. As such you would need to write a request to your employer requesting access to your desired payday app.
How Do I Get Money Before Payday In Australia?
In Australia, one of the best ways to get money before payday is through family and friends. This form of money can come as a family and friends cash gift or loan which would neither attract interest nor late payment sanctions. However, in cases where you find no one to assist you with cash to sort out your emergency, you have to resolve to Apps like Beforepay Australia which lets you borrow money instantly.
These apps can always provide you with up to 50% of your monthly salary up to $5000 until your next payday. Some of them would not charge you any dime as interest but might take an administrative fee of 5%. You are also not bound to pay late fees, etc.
What App Lets You Get Your Paycheck Early In Australia?
Is your question similar to what app lets you get paid early Australia? The truth is there are many apps that lets you get your paycheck early in Australia. We have provided the list in this post which includes Beforepay, MyPayFast, MoneyMe, Latitude, Commbank Payadvance, Wagetap, and Wagepay.
These apps no matter the difficult challenges you are going through would still be able to provide you access to instant quick advance loans that can be automatically deducted from your paycheck. The good news is that some of them would not charge you any interest rate or late payment fee which makes it one of the secure loans to take without any worries of getting blackmailed just like some of the fake loan apps does in African countries.
Are There Other Apps Like Beforepay?
Yes, there are a lot of other apps like Beforepay in Australia that can provide you early access to your salary. Here we have covered 13 other apps that are similar to Beforepay that can pay you instantly before your next payday.
How to Qualify For Before-Pay Service
While these before-pay apps are out there to make life easy for you, not everyone is qualified to use them as there are some requirements that would determine whether you get approved or not. To qualify for wage access or early wage access as an employee, the specific requirements you have to meet vary depending on the platform you are using. However, below are some of the known requirements that determine if you’d get before-pay loans.
- Your employer must be using a known payroll system
- Your employer must be registered with the earn-wage access provider
- You must be earning a weekly wage of not less than $300
- You must be an Australian citizen with a local bank account
- You must be above 18 years
- You must have a job for not less than 3 months the job
Wrapping Up
Beforepay is one of the best on-demand payment providers that provide you with early access to earned wages. The app is very unique and has provided competition from other apps like Beforepay Australia offering the same kind of services. To qualify for their loans we have listed a few requirements that would determine if you’d get approval or not above there and the most important of them all is the fact that your employer must have been registered in partnership with the before pay app that you choose to use.
We have also looked at a lot of apps like MyPayNow and we resolved that Beforepay is one of the best alternatives to MyPayNow. Therefore, in summary, if you need some of the best apps like Beforepay Australia, then you need to choose Wagetap, Wagepay, Mypaynow and Mypayfast. All of them would render equal and similar services to give you on-demand access to your salary.
