How It Works

Payday City provides lender matching service whose main aim is to help borrowers connect with potential lenders for suitable loan assistance. So, here funds will not be provided by us since we will assist the borrower to identify a matching lender depending on ongoing necessities. In short whether or not loans will be successfully approved will depend on the lender with whom borrower would be applying and also on the current financial condition of the borrower.

Eligibility conditions for loan applying:
To register here at Payday City the applicant first check with the eligibility criteria meant for loan applying. So, one who is of age 18 years old, have a permanent source of income earning him or her fixed monthly income, who is a permanent resident of Australia and who is holding an active account in some reputed bank should be allowed to register with us at our site. Once successfully registered the borrower can search for and apply the most suitable loan option from appropriate lenders.

Secure online registration process:
Payday City requires some simple online signing formalities to be completed by the borrower. This is a safe and secure online method to register at our site. Most importantly now one can easily register even from home or from office with just few clicks on the mouse. Here online registration with us is important so that the borrower can search for appropriate lenders who can offer funds according to his or her necessities.

Notification about successful registration:
If Payday City accepts your registration then you will be notified about being registered with us. Afterwards you can make use of our online platform to explore for matching lenders who can offer loans at affordable rates provided that you have patiently compared the rates offered by different lenders.

Getting of Cash:
Payday City cannot lend money and this does not promise to provide loans. But once registered with us one can apply with potential lenders, he or she will start receiving offers from different lenders. To choose a lender the borrower should compare rates. In other words he or she will be selecting the offer which comes with the most lucrative rates. Finally the lender will enquire few more details about the borrower after which if everything is all right with the application then loan money will be approved and credited to the checking account of the borrower.

Payday Loans:
The borrower should sign in with us so that he or she can make application request for favorable funds which can settle cash crisis occurring ahead of payday. In short, one can opt for payday loans which are available from AU$ 100 to AU$ 1000 for 2 to 4 weeks if he or she registers with us.

Installment Loans:
For someone who has an unstable financial condition, installment loans which are also offered by lenders who are in our network would be preferred. It is because these loans have flexible repaying conditions.

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.

You Borrow - $400 You Pay - $496 Representative APR 1223.6% (Variable)

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.

ACL No.
147 Denton Avenue,
St. Albans 3021,
Victoria, Australia

PLEASE READ TERMS & CONDITIONS OF LENDERS OR BROKERS BEFORE PAYING ANY UPFRONT FEES.