No. You cannot have more than one outstanding (unpaid, partially paid or disputed) payday loan at any given point of time.
No. If you already have received a payday loan, you cannot apply or get another payday loan from the same lender, or any other lender.
Yes. Payday lenders have access to your credit report which clearly mentions the dates and status of all the debts against your name, including payday loans.
All payday lenders are duly registered with the Australian Securities and Investments Commission (ASIC). This means that all of their activities are overseen by the ASIC, and ASIC rules for safe money transactions bar payday lenders from granting a payday loan to an applicant who already has a payday loan against their name.
Yes. If you meet all the relevant criteria required to be eligible to apply for a payday loan, it is possible for you to apply and get a payday loan.
However, if you are trying to get another payday loan to pay for the previous payday loan, please understand that it is not a desirable practice as payday loan loops can mount up in interest.
No. If you have a joint account with a person (say, your partner) and one payday loan has already been given to that person via a joint bank account, you cannot get a payday loan for yourself with the same bank account. If you happen to have an additional bank account, you will be eligible to apply and get a payday loan for yourself through that bank account.