Payday loans in Australia are designed to help you when you have a cash shortfall for that unexpected bill ; eg car repairs, electricity bill, rates. medical ect. The idea is to pay the loan back as quickly as possible, usually this is done on your next payday, hence why they are called payday loans. More chances to be approved...Why?...Because we have 4 lenders waiting for your application through our partner site badcreditloans.com.au