Payday Loans

If you are a working professional and survive on your paycheck only, you get scared of unexpected expenses. Whenever you are hit by an unexpected expense, it sends your monthly budget go tumbling down.

One expense affects many other financial commitments. But, it's life. You can't control everything. Only thing that you can is manage your finances.

Managing your finances become difficult with limited source of income. You need external financial support more often. AU Payday does exactly that. We have designed a number of loan solutions especially for working professionals.

Our payday loans are highly popular in the market. You can get $100 to $1500 by this loan facility. Lenders allow two to four weeks' time for repayment. By that time, you will definitely get your paycheck. You can settle the loan.

If you have problems and you can't repay by payday, you can request for an extension. Lenders allow for an extension by paying only interest. The principal will be transferred to next payday. You loan cost won't increase; you have to pay one month extra interest. However, you can take this extension not more than three times in a row.

Lenders mostly don't offer such loans directly, but loan arrangers like us. When you apply for loan, we evaluate your application and identify a lender for you.

We further negotiate with the lender to get you lowest possible interest and a flexible repayment plan. Finally, we connect you to the lender who credits your account with the approved amount.

Such loans are unsecured loans. You are not required to produce security or guarantor to get the loan approval. Only a few of your personal information is enough for approval.

Lenders only evaluate your repaying capability. If they find that you earn enough to repay the loan, they grant you loan.

Since the loan is given without security, lenders are exposed to considerable risk. If you don't repay, they won't be able to do anything. Lenders compensate this risk by charging higher interest. Even if some borrowers turn to be non-payers, they don't suffer much loss.

For you the loan becomes a little costly. However, you can control the cost by negotiating on the interest. Sometimes, lenders agree to lower the interest in the hope of getting a customer.

Additionally, you can also apply for an amount which you need for immediate needs and select a period which allows you to repay the loan comfortably. The cost of loan depends upon the amount, interest and period. You should take judicious decision on all the three factors.

When you are hit by a financial crisis, getting loan is not the only solution. Your endeavour should always be to get the cash at the least cost so that you can serve your immediate needs and protect your interests in the long run.

When you repay the borrowed cash as per its terms of repayment, it has an immediate positive impact on your credit profile. You credit score improves automatically that helps you on long run.

Today employed professional today struggle to meet their needs with limited amount of income. Every now and they fall short of cash before payday. Payday loans are designed exactly for such situations. You can avail them in a few hours by just providing a few of your personal information.

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.