Responsible Lending

Our services at Smart Payday are only offer for those who can afford to repay back a loan on time. We may not be direct lenders, but we take equal responsibility in helping you find loans that best meets your requirement. We will offer you honest response and treat all borrowers equally. All our lending decisions will be based on the lenders. But we can always help you make the lending procedure hassle free and quick.

Ahead of offering you a loan a lender will assess the financial position of the borrower, capacity to repay back and if the requirements and objectives of the borrower will be met by the loan. To ensure that you do not get trapped in any financial dilemma we will ensure that you are comfortable making repayment as per schedule.

Irresponsible lending is prohibited in Australia. It is illegal for a lender to provide a loan to a borrower that is unsuitable as per their financial capacity or that does not meet the borrower's requirement. Ahead of applying make sure that all the necessary information related to your borrowing needs is disclosed to us. This will help us to direct your application to competent lenders. In order to help us make an assessment of your requirement we expect you to provide us complete and accurate details.

Once we have received the loan application we will process it immediately. We adhere to high standard of procedural equality and disclosure. With us you can rest assured to get complete transparency of all interest, fees and charges. We will also provide you with tips on how the debt can be repaid back with ease.

If you still have any queries related to responsible lending or any services at Smart Payday then feel free to contact us. You can find us at your services at any time.

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