Our Services

Personal Lending Unsecured loans

Apply for a personal loan from the comfort of your home and receive feedback within 30 minutes! PayDay offers personalized credit based on positive behavior, which allows for better repayment terms. Apply for a loan online, and let our team do the rest. All you need is,

National ID/Valid Passport/Driver’s License

Passport-size photo
Original and latest pay-slip
Proof of residence or letter from employer


All tools that you can imagine to manage your money and plan your budget in one place. It’s simple and intuitive

Get your loan instantly.

We’ve built our application process with you in mind. Our world class systems allow quick turnaround on your application and your bucks will be available within minutes.

We are a trusted lender.

We have been around and have helped thousands of people just like you.

Credit Scoring .

Our digital lending channels use advanced technology that can assign you a credit-score, giving you access to loans. Even if you have never been banked before!

Renewal Policy..

Each and every loan application is a separate loan and is treated as such from application to quotation and ultimate contracting. Paid up or settled loans are not automatically renewed.

Annual Percentage Rate (APR).

Each client is given a personalized rate. 228% is the highest possible APR that may apply.

Collection Policies.

All payments are collected via Payroll Deductions (mainly Government, Zimbabwe National Army and Government Pensions), Debit Orders (limited to NMB Bank, Agribank, CBZ) and Stop Orders.


Our collections department will exhaust all channels so that we can make arrangements to resolve non-payment. Should we however not receive the money in a reasonable period, your account will be handed over to an external collections company. Continued failure to repay a loan will mean we may be forced to take legal action against you. In addition, the credit bureaux will record the outstanding debt. This information may be supplied to other organisations to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for a number of years after they are closed, whether settled by you or not.

Why Choose PayDay Pawn Shop?

A loan from PayDat Pawn Shop is a great way to unlock the cash in your car and can be tailored to suit your personal needs.

Quick Decision

Money can be in your bank in a matter of hours.

Keep Your Car

You can keep driving your car with a PayDay loan

Affordability Checks

Loan eligibility is based on your ability to pay back the instalments

Bad Credit and CCJ’s Considered

All credit types are welcome subject to affordability checks.

No Hidden Fees

There are no hidden fees for taking out a loan.

Repay Early & Save on Interest

You can repay all or part of your loan at any time.

Am I Eligible For A Cash PayDay Loan?

Your vehicle must be clear (or mostly clear) of finance or any other loan secured against it

You should be able to reasonably prove that you can afford the repayments on a PayDay Pawn Shop

You will have a regular income from work or sufficient benefits/pensions to cover the PayDay loan repayments

Your vehicle must be road legal (taxed, MOT'ed and insured)

The V5 PayDay must be in your name and you must be the legal owner of the vehicle

You will not be subject to a Debt Relief Order (DRO), an Individual Voluntary Arrangement (IVA) or been declared bankrupt

You must be over 18 years old

How To Apply For A PayDay Loan

You can apply for a PayDay loan online or you can call us to start the process – you will need the following items to hand when applying:

The V5 PayDay for the vehicle, an MOT (if applicable) and insurance details

Bank statements and proof of income (like payslips or benefit letter) for last 3 months

Proof of address (like a utility bill) from the last 3 months

A form of photographic ID like a passport or photocard drivers license

Once you contact PayDay Pawn Shop, our advisers will guide you through the application process. A soft credit search will be undertaken at the final stage of application (this will not effect your credit score) and a representative will then come out to visit you either at your home address or at a location of your choice to take a look at your car and sign the paperwork. In certain circumstances we can even send the paperwork via e-mail allowing you to sign the documents electronically which will mean you can get the money in your bank even faster!

Why PayDay Loans Are Popular

PayDay loans are ideal for people who need a short term secured loan on their vehicle. With a PayDay loan you can use your own vehicle (a car, van, motorcycle, caravan or even a boat) to secure against by transferring the ownership of the vehicle to PayDay Pawn Shop. When we assess your application we will look at the trade value of the vehicle along with your ability to pay back the repayments via an affordability check. Your vehicle will be secured against the loan with a Bill Of Sale which means that PayDay Pawb Shop will be the legal owner of the vehicle until the loan is repaid in full.

Our reviews from companies around Australia

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