Responsible Lending

We take responsible lending seriously. At Payday 365 we do not provide loans directly, but we take great responsibility in helping you find the loan that best suits your requirement. With us you can easily borrow what you can afford to repay back.

When applying for a loan through us we expect you to provide honest and complete details. We expect your complete assistance. With us you can rest assured to get loans with competitive rates. Besides, we will also let you know about the various risk involved with short term loans. No matter which loan deal you choose we will give you clear information about the rate of interest, financial charges and total payment you will need to make by the end of the term.

In order to assess your repayment ability various credit assessment technologies will be used. The only reason behind considering your repayment ability is to ensure that you do not overstress your budget. Depending on the loan deal you are applying for, lenders may or may not go through your current credit status. Confirming your present repayment ability will make it easy for you to obtain the loan you need with quick approval. Interest rates are likely to be higher if you have less than perfect credit score or no credit history at all.

Since short term loans come with high interest rates, repayment should be taken very seriously. These loans should not be applied unless you are confident about making timely repayment. Failure to repay back on time can get you into debts and also make you repay back more than what you might have actually borrowed.

Ahead of choosing a loan make sure that you have read the terms and conditions carefully. Special care should be taken to ensure that you provide complete and correct details in the form. Whenever you have any queries or confusions feel free to contact us at Payday 365. You can find us round the clock at your service.

You Borrow $1000 over 12 weeks, the Establishment fee (up to 20% of principal) is $200 and the total Monthly Fee (up to 4% of principal) is $120

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