Beforepay (formerly Cheq)

Beforepay (formerly Cheq) gives your bank a brain 🤓 Get access to your Pay On demand™, master your bills, and spend smarter — all with the Beforepay app.

You can draw small amounts of your paycheck before payday and get money instantly deposited into your account ⚡ All with our Pay On Demand™!

In a pinch and need some extra money to cover unforeseen bills? Or just need some extra cash to float you till next payday? Get access of up to $200 per pay cycle instantly deposited into your bank account.

— 3 Simple Steps to use Beforepay’s Pay On demand™:

1- Connect your Bank — We sync your transactions to verify your wages and pay cycle

2 - Get Paid — Instantly cash out up to $200 of your pay, deposited into your account within 30 seconds!

3 - Payback — On your next payday, we deduct the cash advance + a 5% service fee. No interest or hidden costs!

— How Beforepay (formerly Cheq) can help you:

Want to make everyday payday?

Cash out and get paid when you want. Just connect your bank, and get paid instantly. On payday, we’ll debit your account for the money you cashed out + 5% service fee (no interest or hidden costs).

Budgeting is hard, we get it...
Beforepay syncs your bank transactions to crunch the numbers and automatically create a budget based on your historic spending habits. We’ll track it for you too and let you know when you’re getting close to overspending.

Need help tracking bills and avoiding hefty overdraft fees?
Chill, this app predicts your upcoming bills and lets you know if your account is at risk of overdraft. We keep you in the loop so you can stay in control.

How much does Beforepay (formerly Cheq) cost?
Beforepay's budgeting and spending features are free to use. To use Pay On demand™, we charge a fixed service fee of 5% on any amount cashed out. No interest or hidden fees.

Does Beforepay (formerly Cheq) work with any bank?
Beforepay works with all major banks in Australia, but if your bank is not on our list please feel free to request it and we’ll see what we can do.