Our Charges

When you apply for a loan through us at Smart Payday you do not have to pay any application charges. Access to our wide network of lenders and short term loan deal is provided completely free of cost. This is possible as we do not actually lend money; instead we connect you with a network of lenders who offers loans with competitive rates and terms. Most lenders have their own set of rates and upfront fees. They may have varied rate of interest and charges. So, make sure that you go through the terms and rates of the lenders carefully before making your choice.

Please note that payday loans are meant to be used for short term financial emergencies and are not designed to provide long term solutions

The operator of this website is not a lender and does not make credit decisions. The information you provide will be used in securing you a payday loan with one of our carefully selected panel of leading Payday Loan Lenders in Australia. The personal, financial and employment information that we collect is stored electronically during the duration of the application and is removed from our system upon acceptance from the lender.

We expect you to repay your loan on the date agreed, so if you do not think you are in a position to make your repayment, please do not apply with us in the first place. It is not worth risking your credit rating for such a small amount.


147 Denton Avenue, St. Albans 3021, Victoria, Australia