Why Choose Us for Payday Loans?

60 second decision, 100% safe & secure.

Bridge the Gap

A cash advance helps until your next pay cheque.

Apply Now

Financial Emergency

They can help with unexpected expenses.

Apply Now

Car Issues

A Cash Advance can help if your vehicle needs repairing.

Apply Now

Bills and Payments

They can help with sudden unexpected monthly bills.

Apply Now

What is a “No Credit Check Loan”?

A no credit check loan is, as the name suggests, a type of loan where the lender does not conduct a credit check on your application. Instead, the lender will base their assessment on your income and bank statements. These loans are, in particular, popular with payday lenders.

What does “no credit check” actually mean?

  • It means that the lender will not request your credit report from a credit bureau. This is the best definition of “no credit check loans”, that when you apply the lender will not request your credit report from the credit bureaus.
  • It means the request for information will not appear on your credit file. If a lender requests your credit report, the credit bureau will know you applied for a loan. This can possibly influence potential future lenders who see you are requesting credit.
  • It means your bank statements will be used as evidence of your ability to repay. Instead of using your credit report, a “no credit check” lender will look at the last three months of your banking history. They will use this to decide whether you can afford a loan.
  • You still need income. You will need income from either employment or Centrelink in order to qualify for a loan.

How do “No Credit Check” Loans Work?

  • The lender will not request your credit report from a credit bureau. At its most basic level, this is what a no credit check loan is.
  • The loan details will still be listed on your credit file.
  • Your banking history will be checked.
  • You need to earn an income.


Fast Cash Loans No Credit Check?

There’s no cost for applying, and no obligation to accept the loan. It’ll take just 60 minutes for us to review your application and provide an answer during business hours. For bad credit cash loans, we will do a credit check, but we’ll look at your current relationship with money, too.

What are cash loans for bad credit?

Cash loans for bad credit are simply a loan for people with bad credit history. Most lenders do a credit check before approving your loan request (as we do), however, we look at more than just your credit score. Cash loans for bad credit vary from $300 to $10,000 and are repaid over 24 months.

Are no credit check loans guaranteed?

No loan is ever guaranteed. If you need a loan but are worried your credit will get between you and approval, you have the option of applying for a no loan without a credit check. Lenders offering these loans will base their assessment on your income, employment and bank statements, instead of your credit history.

In short, no. No loan is ever guaranteed.

After all, lenders need to confirm you will be able to afford the repayments by checking your income, employment status and bank statements. As a result, consumers should be wary of any lender offering guaranteed approval.

Guaranteed Payday Loans Australia

While there is no guaranteed approval on every bad credit loan application, we try our best for a high approval rate for all customers. There’s no cost for applying, and no obligation to accept the loan. It only takes a few minutes for us to review your application and provide an answer during business hours.

For bad credit cash loans, we may do a credit check, but also look at your current finances. Apply today and you could possibly get your bad credit loan in your account on the same day.

If you need a loan but are worried your credit will get between you and approval, you have the option of applying for a no credit check loan. Lenders offering these loans will base their assessment on your income, employment and bank statements, instead of your credit history.

What are Pensioner Loans?

You may be wondering if you can qualify for a payday loan if your source of income is from your pension. These are called “pensioner loans” and are available to many individuals whose source of income is from their pension. Apply today if you need to borrow money and are receiving pension payments.

What are Loans for Bad Credit?

Payday loans, also called “cash advance loans” or “bad credit loans”, are a means of borrowing money if you have poor credit. In short, they allow people to borrow who otherwise have bad credit and would not be able to secure a bank loan. You can qualify for a payday loan if you have income, even if you have bad credit.

What are Payday Advance Loans?

A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or instant cash loan) is a small, short-term unsecured loan, “regardless of whether repayment of loans is linked to a borrower’s payday.”

Worried about your credit history? Here are the lenders that won’t check your credit.

If you need a loan but are concerned your credit report will hold you back, you have the option of applying with a no credit check lender. These lenders base their decision on your income, employment and bank statements rather than your credit history. Find out about how these loans work and if they are right for you.

Why Use Perfect Payday?

Apply Now!

If you are a little short until the next payday then apply now for a cash advance up to $2000. No need to wait, you can apply 24/7, whenever the need arises.

Fast and Efficient

We know that if you are applying, you need the cash now, which is why our service is simple and fast. Nobody likes hanging around, so apply today and get a decision in minutes.

Hassle-Free Service

No paperwork. No faxing. No phone calls. With our simple and fully secure online application, we have taken the stress out of finding a small cash loan – what could be easier?

Customer Care

If you require any assistance, we are here to help whenever you need us. Taking care of your finances can be tricky so let us lend a helping hand.

Responsible Practises

We don’t want to add to your burden, we are here to provide a solution. We take our responsibility seriously and only find you a cash loan if it’s suitable for you.

Transparent Costs

We lay our cards on the table. We are free to use and totally transparent. So you can apply confident that there will be no hidden fees or nasty little surprises, just crystal clear loans.

What are Loans to Payday?

Payday loans are a high-cost short-term loan. They include small amounts (up to $2,000 that must be repaid between 16 days and 1 year) as well as loans borrowed over longer periods. Perfect Payday offers to apply for cash online, sometimes referred to as cash advances. They are unsecured short-term loans, usually for less than $500.

What to know about before you apply for payday loans?

Payday loans are a type of credit that is cash advanced to you when you are short of funds. It is typically paid back when you are paid by employer, hence the term “payday loan”. They also have been called short term, cash advance or bad credit loans. Borrow up to $5,000 with fixed fees, and are regulated by the government. This is comprised of a loan establishment fee and a monthly loan fee – these are calculated based on principal.

What are Instant Loans?

Are no credit check loans safe?

There are a variety of no credit check loans. You may be offered a no credit check loan in the form of a personal loan, or a payday loan. No credit check loans are offered by both safe, reputable lenders, as well as some other less reputable lenders.

You may be interested in an “instant loan”. What does that really mean? Are they same day loans? Will you have your cash the next day? When you submit an application through us, we endeavor to process it as quickly as possible to give you a “yes” or a “no”. There are circumstances where you may have your loan request funded the same day, or next day, such as in cases where we don’t need additional paperwork or you’ve borrowed from us before.

Other cases may depend on us needing additional information or documents that may delay the payday loan. These delays will not be large, and often depend on how quickly you provide the additional requested documentation. This may be the case if you are looking for bad credit payday loans.

Following are some payday loans Australia you may be eligible for.
The listed amounts are for demonstration purposes only and may not reflect the total you qualify for.

No Credit Check Loan Amount Accepted
Cash Loans AUD($) 100
Payday Loan Australia AUD($) 200
No Credit Check Instant Approval Loan AUD($) 300
Payday Loans for Bad Credit AUD($) 400
Centrelink Loans AUD($) 500
No Credit Checks No Paperwork AUD($) 600
Online Loan AUD($) 800

Using our forward-thinking technology, we put our best efforts into finding you a payday loan. Whether you need emergency cash for sudden car repairs, home repairs or even last minute childcare arrangements, we know that access to cash is paramount, and we will work together with you to find a lender who matches your requirements. By filling out our simple but secure application form, you could have your decision in principle within minutes, and if you are accepted you could even have your cash the very same day subject to passing the lender requirements! Using perfectpayday.com.au can save you time and effort when you need it most, as you do not need to trawl through hundreds of lender sites searching for a loan; you simply fill out our quick and easy form, we will do the hard work for you.

Your terms can be totally flexible; you decide how long you want to borrow for and how much, using our handy sliders. With perfectpayday.com.au, you can borrow up to $2,000, and if you are accepted before 3pm on a weekday, the funds could be in your account that very same day subject to passing the lender checks! So if you need a short-term loan with no hassle or stress, fill in our application today.

Do you have bad credit? Many people believe their credit is too poor to qualify for payday loans. Apply for a Centrelink loan and you may be pleasantly surprised you qualify.

Apply For Cash Loan

Getting cash from a payday lender literally comes at a price, so be sure that you borrow money with interest only when you absolutely need it. Payday loans should only be used as a last resort, because they are expensive. Most of the time, people apply for cash loans when they have emergency expenses, overdue bills, or when a car breaks down. The first course of action would be to ask if the bill payment can be deferred, but if not than you’d have to find a way to get the extra money and pay it promptly.

Payday Loans Australia

No Credit Check Loans Guaranteed Australia
Australia Payday Loans Pay Day Loans Australia
No Credit Check Loans Australia Payday Loans Australia Bad Credit

You can also use instant loans for:

  1. Special Occasions – Valentine’s, Mother’s Day, and Wedding Anniversaries are just some of the occasions where extra special celebrations are expected. If you don’t have the money, you can get a short term loan in order to not disappoint your loved ones. Yes, it’s that important.
  1. Concerts – It may sound trivial, but it’s not. When your favourite band goes on tour again, you need to be absolutely present on the next show. You can get one for this and repay it soon after with a bit of interest. Better than missing the show!
  1. Online Sales – Sometimes great deals just can’t be passed up. When sales happen, you have to have instant cash to be able to afford it.
  1. Birthdays – Life is short and birthdays should be celebrated – no questions asked. You can borrow to treat the special people in your life and just worry about the payment on the next month. Alternatively, you can also buy yourself a present: a designer bag, or downpayment on a new car.
  1. Emergency Trips – A short term loan can be very useful when you need to go on a quick trip and don’t have the cash for it. Even a weekend away can be rather costly, and you would need to have cash on hand apart from your credit card.

Payday Loans – Finding the Alternative.

Payday loans have been in the news a lot recently, but not all short-term loans carry the same risks. LendUp Loans are an alternative to traditional payday loans from a licensed lender. A typical payday loan is exactly that: You borrow money against your next paycheck.

Bad Credit Payday Loans

Thanks to payday loans, those who have a bad credit rating or poor credit history can now borrow money and sometimes there is even a guaranteed approval process. When you take a payday loan, it’s usually for a small amount of money ranging from $100 to $1000 depending on who the direct lender is.

Remember to compare your options before availing of a short term loan. Cash advances and payday loans offer different interest rates and terms. Take a look and see which one is best for your needs.

What are payday loans online?

Payday loans online are given by a lender to someone with bad credit or no credit history in the Australia. They are for borrowers who have bad credit scores. Examples of this loan type are loans with payday loans Australia and no credit check loans. You can usually obtain this type of loan if you are employed.

What are Cash Loans and Why Do You Need One?

Sometimes people only need to borrow money for a short period of time, and for a small sum. These are called “cash loans” and are typically repaid when you get your next pay cheque or income from employment. If you are not employed you may still qualify for loans for Centrelink. This is where you can get loans to payday.