What does Smart Payday specializes in?
Smart Payday specializes in offering short term monetary assistance. We are based in Australia and can help you find the right loan deal no matter in which part of the country you reside. Although we are not direct lenders, we can assure to help you find the right loan deal with terms that favors you.

Will I have to pledge any collateral against the borrowed money?
Not at all! We will help you find short term loan deals that falls under unsecured category. Therefore, you can easily qualify for any of our loan services without placing any security.

Who can apply?
A few basic criteria are required to be fulfilled ahead of approval. You will need to confirm that you are an Australian citizen, have attained 18 years, hold an active checking account and have a fixed monthly income. However, you need to understand that not every lender may follow the same eligibility criteria. So, make sure that you go through them carefully ahead of taking a decision.

How do I apply?
In order to apply through us you will just need to fill in a small online form with the necessary details and submit it. It will just take you a few minutes to complete the form. Provide the necessary details in the form and submit it. The form is free of charges and puts no obligation on applicants. We will process your application right after you have submitted the form.

How much cash can be obtained?
Since our loan services are short termed, the approved amount of cash is small as well. Though you may get a small amount of money, it is enough to help you take care of any temporary cash crunches.

Is there any restriction on the usage of the borrowed money?
No restriction is put on the usage of the borrowed money. So, once it has been deposited into your checking account, you are free to spend the approved cash as per your requirement.

What is the repayment tenure?
Typically short term loans are offered for two to four weeks. But if you are unable to repay back on the scheduled date then you should contact your lender immediately. Lenders will reschedule the repayment date for which you will have to provide extra charges. Missed or late payment can get you into serious monetary issues and make even a short term loan expensive. This can affect your credit status as well.

Is it safe to apply online?
Yes absolutely! We have made use of advance safety measures to ensure that that complete procedure is secure and confidential.

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