Responsible Lending

At Short Term Payday we take responsible lending seriously. We understand that borrowing a loan is a serious decision. Before you proceed you need to know that we are not involved in direct loan lending. But we assure to be a responsible intermediary. We will put our best effort to help you find the loan deal that fits your requirement.

We will treat every application fairly and equally. Besides, we have arranged a completely safe and secure registration procedure. With us you can rest assured to get complete assistance in finding the loan deal that fulfills your cash requirement. We will assist you right from comparing the loan deal to application.

We will try to offer you loans with easy eligibility criteria. Finding loans that are competitively priced is easy as well. Through us you will not just get detailed information about the various loan deals but also the risk involved in applying for a short term loan deal. To help you make better choices we will try our best to provide you clear details such as borrowing cost, fees and charges and the terms and conditions about the different loan deals.

Ahead of offering a loan every lender assesses the repayment ability of applicants. For that various credit assessment techniques are utilized. The current and previous financial activity of applicants will also be taken into account ahead of approval. Since short term loans have high interest rates, missed or failed repayment can get the applicant into financial issues. Therefore, verifying the repayment ability of an applicant is very important. The credit limit offered will be solely at lender's discretion.

At Short Term Payday we offer easy comparison facility of the various loan deals. We also have easy to use loan calculator that will allow the applicants to calculate the different charges of a loan and estimate how much it would cost by the end of the term. Apply with us and you can rest assured to find the loan deal that suits your cash needs and repayment ability.

Feel free to contact us at Short Term Payday if you have any further query or need additional information regarding any of our services.

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
You Borrow $500 over 12 weeks, the Establishment fee (up to 20% of principal) is $100 and the total Monthly Fee (up to 4% of principal) is $60