How it Works

What we do at Smart Payday is provide short term loan deals. Wondering what does it exactly mean and how we work? Simple! We help you the financial support you need until your next payday. After a brief application and approval procedure the money offered upon approval will be wired into your bank account directly. The money can be easily repaid back when you get your next pay.

So, let's start with application. You will just need to fill in a small online form with the necessary details and submit it. Provide complete and correct details to avoid rejection. The form is free of charges or any obligation. Your application will be processed right after you have submitted it.

We offer easy comparison tools and calculators to help you take better decisions. Comparing the deals will make it easy for you to decide. Besides, the loan calculator will make it easy for you to estimate the complete cost of the loan you are applying for.

Once you have gained approval, lenders will get the borrowed money deposited directly into your checking account. As no restriction is put on the usage of the borrowed money, you can freely spend it as per your wish. Apply with us and let us help you get back on track financially.

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