Welcome to Smart Payday!

We help you to find easy loans during tough times! To help you find the best loan deal we are associated with a network of reliable lenders. Apply with us and rest assured to get the money you need, when you need it, without any delay.

When applying with us you will not have to worry about the strict guidelines for granting unsecured money loans set by lenders. Apply with us and we assure to take care of everything else on your behalf!

We understand how tough it can be to find quick cash during tough financial situation.

Thus, we strive to offer a positive alternative to more rigid traditional lending structures. Our goal is to assist you to find the loan that suits your need and repayment capability. We work with a network of lenders to make your loan borrowing experience quick and hassle free.

Most lenders are ready to reward loans to those with above average credit. But we can help you find lenders who offer cash assistance even if you are tagged with bad credit or have no credit history at all. We understand that people opt for loans due to money shortage and when they are unable to pay their bills on time. Unplanned expenditures, unexpected jobless or sudden breakdown of a vehicle can never be predicted. So, do not worry when your budget gets off-balance, we are here to help you make the right choice.

Ahead of applying you will need to meet a few basic preconditions. You will need to confirm that you are a citizen of the Australia, above 18 years of age, have a fixed monthly income and an active checking account. Lenders may have their own set of preconditions. Make sure that you go through them carefully ahead of taking any decision.

Here at Smart Payday we offer you a way to get sufficient advance on your monthly paycheck.

So, without facing the embarrassment of asking financial assistance from your family of friends, you can now easily get the cash you need by simply applying for a loan through us. The next time you get your salary, the repayment amount will be automatically debited from your bank account.

Easy repayment within a month will allow you to repay the borrowed money without getting into any debt problems.

If for any reason you are unable to repay back on time then you should contact your lender immediately. These loans are short termed and should not be treated as long term solution. Failure to take care of repayment on time can get you into serious debts and it can affect your credit status as well.

We have a very straightforward application procedure. You will just need to fill in a small online form with the information asked and submit it. The complete procedure is free of charges as well as obligation. With us you can rest assured of immediate approval.

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