FAQs

Why should I apply for loan through you?
We, AU Payday, are active in the country's financial market for long time. Hundreds of lenders are on our panel. Through them, we can get you a loan on lowest possible interest along with a flexible repayment plan.

Do I qualify for you loan?
If you are an Australian citizen 18 years or over and you have a bank account and a regular source of income, you qualify for our loan.

Why do you accept online application only?
Online application has own benefits. First of all, application processing becomes extremely simple and fast. We are able to get you loan in a few hours. Additionally, it helps us to retain your name as old customer. When you apply for loan again, we process your application without any check or confirmation.

What is the maximum loan amount?
Payday loans are givenfor$100 to $1500. The actual loan amount depends upon your needs and repaying capability.

How much time you will take to process my application?
We don't take more than a few minutes to inform you of the approval of application. The whole process doesn't take more than a few hours.

What is the loan cost?
Loan cost is the amount which you required to pay in full when you settle the loan. it depends upon the interest, period and amount of loan. A few lenders charge administrative or processing fee too. That fee also comes under loan cost.

Do you give loan to bad credit borrowers too?
Yes, we do have loan for bad credit people too. They are not required to undergo credit check.

Suppose, I miss a few payments, then what will happen?
You can pay before or after due date. So, chances of missed payment don't arise. If you are not able to pay in a particular month, you can request for an extension by paying only interest.

Do you inform me of the approval of my application?
We inform you in a few minutes only of the approval of loan application. You don't need to do anything. If your application is rejected, we tell you the reason of rejection too.

How do I know my information is safe with you?
We store your information on a highly secured server. Out IT professionals maintain it round the clock. We use all the latest software and devices. We can sure of safety of your personal information.

Ready our privacy policy here to know what measures we take for data protection.

What is the maximum repayment period?
A payday loan is given for a maximum period of one month. For other loans, we give you chart in the beginning which show cases different repayment period. You can select one as per your needs.

What information I need to give you to apply for loan?
We need your name, contact details, date of birth including your employment and payment details.

How do you use the information?
We use your information to confirm your identity and evaluate your financial condition and cash requirements. Accordingly, we select a lender and negotiate a good deal for you.

Is a debit card a must for getting loan?
No, you can get loan without a debit card too. Debit card actually helps in easy repayment.

Do not pay any lender or broker an upfront fee to process your loan application.

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.

Please note that payday loans are meant to be used for short term financial emergencies and are not designed to provide long term solutions

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.