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#Payday Loan Comparison

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Pay-Dayloans is a Leading Loan Broker

Secure and Simple Application Process

The technology used by Pay-Dayloans.com.au allows us to search a huge panel of lenders in under one minute! All you need to do is complete the online application form and we will do the rest.

• All Credit Histories Welcome
• High Acceptance Rates
• No Phone Calls

Instant Decision 100% Online Safe and secure

Technology powered Online Payday Loans

Every day, Pay-Dayloans.com.au is committed to helping thousands of Australians just like you. Our simple application form, powered by our award winning financial technology will speedily match your personal situation to one of the lenders from our market panel.

We are extremely proud to be able to offer our customers a market-leading process that is entirely online, and are confident in the fact we can provide loans for the vast majority of applicants using Pay-Dayloans.com.au

Collections Process

If at any point during your loan term you feel that you will have difficulty re-paying what you owe, you must contact your lender immediately. They will be able to discuss any possible re-payment options with you to avoid you missing your payment completely. However, please be aware that this may mean that you incur further charges or interest as a result. If you do not contact your lender then they will reserve the right to pass your details onto a third party collections agency, who will endeavor to recover the unpaid debt.

Implications of Non-Payment

Again, if you are struggling, or feel that you will struggle, to meet your re-payment date, we recommend that you contact the lender in the first instance. If you do not, then you could risk the details being included within your credit report. Where you miss a payment entirely, you will often incur a charge/fee that will be added on to the total amount that you owe. Upon a missed payment, lenders will often try to contact you by telephone or letter in order to recover the funds and they may be able to arrange a new re-payment date with you.

Late Payment

Where you feel that you will be late making a payment you need to contact your lender as soon as possible. You may be able to re-arrange your payment date for a more convenient time (this would mean incurring a charge). Some lenders may charge you a late payment fee, which will vary between lenders and could range between $1 and $100. For more information on what to do if you feel that you will be late in making your re-payment, please refer to the terms and conditions included within your loan agreement.

Renewal Policy

Pay-Dayloans do not recommend the renewal of your payday loan and do not promote rolling over on your repayment date. However, if you do wish to renew your loan, you will need to contact your lender as soon as possible. You will often find that if you are to re-new you will be charged the same rate of interest, but this will be based on the total amount that you owe and not just the original amount that you borrowed. Where you have failed to make your payment as per the terms and conditions of your loan agreement, a loan renewal or extension may be automatic – meaning that charges could be added to your account.