Milestone reflects Beforepay’s rapid growth from Pay Advance into a broader Australian lender.
SYDNEY, 19August 2026 — Beforepay has reached 2 million registered users, marking a major milestone in its growth from a single Pay Advance product into an established Australian consumer lender.
Founded in 2019, Beforepay set out to make fair and ethical lending more accessible through a fast, transparent experience and a better understanding of the people it lends to. What started with Pay Advance has now expanded into Personal Loans for larger planned expenses, giving Beforepay more ways to support customers as their financial needs change.
That growth has been accompanied by strong customer advocacy, with Beforepay holding an Excellent 4.6 TrustScore from 5,800 reviews on Trustpilot.
Beforepay Group CEO Jamie Twiss said the milestone reflected how far the business had come and the opportunity ahead.
“Reaching 2 million registered users is an incredible milestone and a huge moment for Beforepay. We want to thank every Australian who has chosen us and trusted us along the way.
“We started by solving a specific short-term cash-flow need through Pay Advance. As our customers’ needs have evolved, so have we. Today, we also offer Personal Loans for larger planned expenses.
“Our ambition remains simple: to make fair and ethical lending more accessible and build products around a genuine understanding of the people using them. Two million users gives us real confidence in what comes next. It feels like we’re only just getting started.”
Beforepay uses transaction and cash-flow information to build a more current understanding of a customer’s financial circumstances, rather than relying solely on a traditional credit file. Its Pay Advance and Personal Loan products are designed around simple terms and transparent upfront costs, helping customers understand what they are borrowing and what they will repay.
That approach is supported by credit capability developed across Beforepay Group. Through Carrington Labs, the Group’s enterprise arm, the same expertise in cash-flow underwriting and credit risk is also used to help banks, credit unions and fintechs make better lending decisions.
Reaching 2 million registered users signals that Beforepay has moved beyond the category in which it first made its name, with the scale, trust and momentum to play a broader role in Australian lending.
About Beforepay Group
Beforepay Group is an ethical-lending fintech founded in 2019 to create safe and affordable lending products.
Beforepay Group operates two business lines: Carrington Labs, which builds custom credit risk models as a service for lenders, and Beforepay, the Company's direct-to-consumer business.
Beforepay's flagship product is the Pay Advance and also offers Personal Loans. Both provide an ethical, customer-friendly option, with transparent fees and zero hidden costs, to help manage temporary cash flow challenges in a safe and affordable way.
The Beforepay app also includes free budgeting tools and spending insights.
For more information visit www.beforepay.com.au
Beforepay Group is an ethical-lending fintech founded in 2019 to create safe and affordable lending products.
Beforepay Group operates two business lines: Carrington Labs, which builds custom credit risk models as a service for lenders, and Beforepay, the Company's direct-to-consumer business.
Beforepay's flagship product is the Pay Advance and also offers Personal Loans. Both provide an ethical, customer-friendly option, with transparent fees and zero hidden costs, to help manage temporary cash flow challenges in a safe and affordable way.
The Beforepay app also includes free budgeting tools and spending insights.
For more information visit www.beforepay.com.au
