This submission summarises the Anglicare Australia Network’s experience with pay-day lending and the harm the industry causes the people we work with. We have found that a combination of low income, lack of savings, and poor access to mainstream banking and financial services can lead people to use pay-day loans for short-term and sudden financial crises. It is unacceptable that these pay-day loans are, for some people, the only option they have to access emergency credit.