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How can payday loans help?

Bridge the gap

A cash advance helps until your next pay cheque.

Car issues

A cash advance can help if your vehicle needs repairing

Financial emergency

They can help with unexpected expenses

Bills and payments

They can help with sudden unexpected monthly bills

Perfect Pay Day Loans

What you need to know

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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.

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

Thanks to it, 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 this loan offer different interest rates and terms. Take a look and see which one is best for your needs.

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.

Sometimes people only need to borrow money for a short period of time, and for a small sum. These 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.

Perfect Payday
is for everyone

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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.

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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?

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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.

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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.

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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.

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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.

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Payday Loans - What are they?

A payday loan is a small loan that's ideal for emergency payments of small amounts, paying bills you can't afford this month, or making small purchases in advance. You can get for $1000 or less, but the amount you can borrow a small amount depends on how much you earn and your australian credit rating. Payday loans are unsecured loans, meaning you don't need to place any collateral to qualify for it. However, because of this, its tend to have higher interest rates than your conventional mortgage or personal loan.

Payday loans are designed for individuals to borrow small loans with little effort. Borrowers need to partially or fully repay these loans when their next paycheck arrives, hence the name. However, several fast payday loan providers or lenders allow borrowers to spread their repayment over a couple of months.

Depending on your location, you can get fast payday loans through physical storefront payday loan lenders or the internet.

How Much Can I Borrow with a Payday Loan?

The loan amount you can borrow will depend on your local government's law and your financial capability. Most nations that allow payday lending cap the borrowing small loans around $300 to $1,000. A fast payday loan provider will also consider your expenses, income, and payday lending history to see how much you can reasonably pay back with the interest rate proposed.

Who Can Get Payday Loans?

Virtually, almost anyone with a steady income can be approved for this, giving you peace of mind the next time you need emergency funds. To receive a loan, you must have:

The Right Qualifications
While you don't need to go through a credit check, you still need a few things to be eligible for a payday loan. These qualifications include a government-issued ID, a good standing bank account, and a steady paycheck.

Applying for a Payday Loan

Applying is a simple and straightforward process. Depending on the availability of payday loan providers in your location, you can apply for these loans at physical branches with payday loan lenders or via their official websites. The processing for applications can be done at any time of the week, so you can submit your request for a payday loan any time you need. There is no establishment fee.

Personal Details
You will need to provide necessary personal information with the payday loan application, including your name, address, and contact information, including phone number or email address.

Bank Details
Unlike with traditional personal or other consumer loans where you need to provide physical bank statements, payslips, and other paperwork of the bank account, most payday loan providers speed up the application process by using state-of-the-art technology to verify your expenses and income instantly.

Recurring Income
To get, you will need to have a regular source of income. It can come from jobs or government payments just to ensure pay back.


Based on our experience most lenders will require you to repay your loan in full with a single payment when you receive your next paycheck. Because loan lenders have different repayment terms, ensure you ask them for the specific due dates or check for the date indicated in the agreement to avoid paying unnecessary additional costs.

And before agreeing to a loan, most loan providers as per our experience will request you to set up a recurring payment policy or continuous payment authorities to minimize their risks. It allows them to take what you owe them directly from your bank account. Although handy, it can be risky as it can leave you with not enough money in your account for your other bill payments, like rent or mortgage. There is no establishment fee.

If you feel that a CPA agreement will not leave you with enough control, ask the lender if you can pay them in other ways. Depending on the payday lender, you may have several options to pay off your loan, including:

  • • Direct debit from your bank account
  • • A paycheck on your next payday
  • • A postdated check when you apply for the loan
  • • A different form of credit
  • • Paying online through the payday lender's website

When you miss a payment, or there isn't enough cash in your bank account for your payment to be debited, you may request for dishonor fees from your bank. However, most loan lenders can assist you with this problem with their respective customer services.

Types of Payday Loans:

There are many types of loans we currently offer here at Perfect Payday, such as:


Before applying for a payday loan, think carefully about how and if you're able to pay it back on time to avoid additional costs. When you decide to get a payday loan, ensure you find a payday lender that's reputable and responsible, like the perfect payday loan regulated by the ASIC (Australian Securities and Investments Commission).

The eligibility requirements for a payday loan

Based on our findings the specific requirements will vary between lenders and products, but the criteria usually include:

  • Age. You must be at least 18 years old.
  • Income. Applicants must prove that they receive a regular income. If this includes support from Centrelink, they'll need to show that at least 50% of their income is from alternative sources.
  • Banking statements. To assess income and expenses, lenders usually require read-only access to at least 90 days of bank statements.
  • Liabilities. Applicants must provide details of any other liabilities including outstanding loans or credit card repayments.

As long as the eligibility requirements are met, people can apply for these loans online, though approval is not guaranteed. If approved, the lender may make the deposit within a matter of days.

About the Author

Lucy has over a decade of experience in finance. She is currently the content curator here at Perfect Payday.

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Frequently Asked Questions About Payday Loans

Yes. That's because most payday loan lenders don't require credit scores when applying, allowing virtually anyone to avail for these small amount of loans. Although these lenders still note your credit score, they focus more on your current income levels and your ability to repay it. They focus more on a customer's financial history than previous endeavors, so even if your credit history isn't perfect, you are still eligible for this loan.

If it's your first time taking out a payday loan, or any loan, it's essential to understand the application process before applying it. For payday loans, depending on your location's availability of payday loan lenders, you can either apply for physical or online branches. However, most payday provides now opt for holding the entire application online, so ensure you have the right documents and financial details.

There are many negative opinions when it comes to payday loans because of its more costly nature when compared to other loans. Payday loans aren't necessarily bad if you're capable of paying the fees at the right time. However, it's better to apply for other alternatives if you're not sure you can meet the payday loan's repayments' deadlines.

Most payday loan providers will allow borrowers to repay their loans early without any additional charges. However, customers still need to pay the full amount they borrowed stated on the credit contact. You can contact your payday loan lender if you need to organize early repayments to avoid any issue.

Most reputable payday loan lenders use secure online systems to secure their borrowers' data. Payday loan applications are carried out on secure online application forms, protecting the customer's privacy with its 128-bit secure servers and SSL (Secure Sockets Layer), ensuring all personal information is safe and secure.