Terms and Conditions

We at Smart Payday have set forth the terms and conditions to govern your usage of the website. Abiding by the terms is compulsory. So, make sure that you take your time to go through the terms carefully ahead of browsing through the website. If for any reason you are unable to abide by them then you should navigate away from the website immediately.

All the intellectual property rights of the website and the material available in website are owned by us. But you are free to download and print the pages of the website for your personal purpose. You can also visit the website anonymously. But you have no right to republish the material from this website or sell or show any content or material from the website in public. You also have no right to edit or modify any material available in the pages of the website.

Like other websites we make use of cookies as well. You are free to go through the cookie policy page to know more about it. Agreeing to the terms and using the website will be considered as your consent to our use of cookies in accordance with the cookie policy terms. This terms and conditions are for the benefit of you and are not intended to benefit the other third party links available in the website.

Number of third party links is available in the website. These links are provided for your reference purpose only. You are free to browse through these links but ahead of that you should understand that the third party websites are not evaluated by us. We also do not check the identity or credit worthiness or the accuracy of the information published in such websites. Thus, we will not be liable for any loss or damage arising when browsing these websites. We will also not be responsible for any information supplied or offers made by the third party websites. You will have to browse them at your own risk.

All information available in the website is collected by us from reliable sources. They are true to the best of our knowledge. Though we have gathered them from reliable sources we cannot provide any warranty about the accuracy or comprehensiveness of the information published in the website. The website may also not be available 24X7 and you may not find the website always up-to-dated.

We at Smart Payday hold complete right to revise the terms and conditions at any time. Any changes made by us will be published in the website. So, make sure that you go through this page carefully ahead to stay updated about the changes made by us.

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