Good Shepherd Microfinance commissioned Digital Finance Analytics (DFA) to examine how women access and use payday loans. The report found women are using payday lending more. In 2005 about 84,000 women had used payday lending, but this had grown to 177,000 in 2015, a 110% rise compared to growth in the total industry in Australia of 80% over the same period. This factsheet is an extension to the report already published by DFA using our household surveys to examine households and their use of payday lending. Payday lending is defined as loans of $2,000 or less for terms between 16 days and 12 months, in accordance with the National Consumer Credit Protection Act 2009 definition of a small amount credit contract. The research was commissioned by Good Shepherd Microfinance.