An Introduction to Collateral Loans

When you talk about collateral, it’s something that you use against a loan. For example, you borrow a certain amount and agree on the contract that your loan provider can take your property and sell it, to cover for the amount that you borrowed in case you are unable to pay back the loan. At …


How to Read a Credit Report

The credit score is a vital requirement when applying for a loan, finance, or credit. However, most people don’t actually know how to interpret their credit score. The only thing they know is it helps them obtain loans, as well as the idea that the greater the credit score, the better. In this article, everything …


Cost of Private Health Insurance

Gone are the days when your only responsibility is completing a single house chore to get $5 of extra money from your parents. Now, you are a full-grown adult with lots of expenses and financial responsibilities to think about, including private health insurance. Basically, private health insurance is something that you shouldn’t overlook. The same …


Saving Money in Winter

Winter often means layers of clothing, hot water bottles, and taking advantage of the sun as a natural source of heat. Here are a few money-saving tips on how you can stay warm in winter without damaging your budget. 1. Invite Mr. Sun into your house This first tip is pretty much a basic concept …


How to Approach Personal Finance

Take Baby Steps Not all people are blessed with good money habits – or great sources of income. For most, the money that they earned always ends up being spent without them knowing how leaving them with zero finance to keep for future emergency expenses. This usually happens to people who live paycheck after paycheck. …


Six Financial Goals for 2020

The key to establishing goals is to create a habit out of them. Every year, spend some time to figure out the goals that you want to achieve for the next year. Here are some realistic and attainable financial goals for 2019: 1. Create a budget – and stick to it Everyone loves budget but …


Go Green and Save Money

Climate change has been the usual topic in the news recently – but don’t worry it’s for a good reason. According to the UN, there are only 12 years left before the effects of climate change is still irreversible. So, what can you do to help make the planet greener? Here are five unique ways …


Fixed Rate Vs Variable Rate Loans

Financial emergencies cannot be predicted and certainly cannot be controlled, but what you can keep under control is the approach you can adopt on how you can repay your loan obligations. This is the reason why lending institutions offer numerous ways of repayments based on the interest rate that you can afford. Two of the …


How to Handle Credit Card Debt

Do you want to start a clean slate with your credit card debt? Now is a perfect time! Having a massive credit card debt can be burdensome and stressful. The new year is the best time to get your credit card debt under control for keeps. For some, this can be a real problem, but …


Understanding Your Credit Report

At some point in your life, you might’ve wondered how your credit report impacts all your loan applications. When you are applying for a loan, it is essential to fully understand how your credit report works. And what can you do to use it to your advantage when anticipating for loan approval. Generally, lenders look …


Why Improve Your Credit Score?

A credit score is one aspect of your financial history that often gets the least amount of attention. However, no matter how boring it may seem to you, it greatly affects your financial freedom, thus you should begin taking your credit score seriously starting today. You can start by determining the present standing of your …


Pawning Vehicles To Get a Loan

Pawn is the amount of money given to you that corresponds to the value of your property. In the case that your default on your loan, the item will not be returned to you. Once you agree to pawn a particular item, this means that you are also transferring the asset to the pawnbroker once …


Guide To Choosing The Right Lender

Searching for a lender? There are several things that you might want to consider first before you begin your ultimate search. Getting to Know Money Lenders A money lender is someone who offers loans with an associated interest rate. The interest rate is fixed and they can also charge additional fees such as service fees, …


How to Make Centrelink Income Work For You

Learning how to get by is one of the things that humans are pretty good at. However, not having the assurance of where your next salary will go or if it’s enough to pay for all the bills that you have is very stressful. Those depending on the limited salary from Centrelink can definitely relate …


What is a Balance Transfer?

At some point in your life, you might have encountered the term balance transfer. But what does it really mean? And what can it do for you? A balance transfer works in a very simple way, it is when you transfer money from one account to another. It is sometimes called a credit card balance …


How Credit Scores Impact Your Ability To Get a Loan

When you have bad credit, you’ll find it difficult to get your personal loan applications approved. It can also affect your capacity to pay for car insurance, rent an apartment space, and secure a great service plan for your phone. If luckily you can take out auto loans, student loans, or mortgages, you’ll be given …


Are You Dealing With an Honest Lender?

If you’re thinking about taking out a quick personal loan but hesitating for fear that you may encounter shady lending entities, you should definitely decide against it. The last thing anyone with a financial problem wants is to be taken advantage of by loan sharks. It is unfortunate that this is the reality that most …


Getting a Personal Loan for an Upcoming Move

Whether you are planning to downsize or upsize, moving comes with expenses that you can’t avoid. Good thing there’s an incredible alternative that you can turn to personal loans. These are short-term loans that will allow you to borrow at least $300 to $10,000. In addition to this, here’s how you can spend the money …


Helpful Tips To Increase Your Budgeting Power

In an ideal world, you could be living the high life where money is no object. You could be spending on branded clothing, enjoying the company of your friends in some Michelin-starred restaurant, or taking a tour around the world with your family. You are, however, living in the real world, where your current version …


Instant Banking, Is It For You?

At some point in your life, you might have heard of internet banking. It is an essential factor that binds cardless cash and mobile banking apps altogether. However, are you familiar with instant banking? Though it may sound like the same from the aforementioned, it offers a new approach. Instant banking is a latest payment …


How Positive Credit Reporting Impacts Your Life

Assessing customers for their eligibility for a loan or credit card involves taking a look at their credit report to gauge their qualification. These days, lenders are required to check for the overall creditworthiness of a customer that doesn’t focus solely on their past incapacities. This has become possible today, thanks to the existence of …


Things To Know When Getting a Bad Credit Loan

If you’ve ever wondered if you can apply and get approved for a loan on bad credit, wonder no more. You can do so with a personal loan specifically designed for individuals with bad credit ratings. It is, however, important that you know how your bad credit history affects the way you live your life …


Getting a Loan with Bad Credit

In an adult’s life, one of the most essential things that should be given attention is credit history. However, no matter how fearful these two words appear, many people still lack the knowledge and understanding of what it really means. Credit history can either be good or bad. Once you have the latter, there will …


House Buying Guide for Millennials

Purchasing a house is a huge decision and as much as possible, you wanted to be prepared until the very last step. This article offers a quick guide for millennials on what factors they should consider when buying a house: Set Your Budget: By mapping out your present income and expenditures, you’ll be able to …


5 Steps To Survive Bankruptcy

The worst event that could happen to anyone is filing for bankruptcy. Whether you’ve gone through this or are still reeling from its effects, it does feel like the end of world when you have to declare that you’ve lost everything and could no longer sustain the life you used to have. On top of …


How to Apply for a Quick Loan from Perfect Payday

Whether it’s for a financial emergency or to finance non-urgent expenses like family vacations or home renovations, financial assistance from established lending institutions like Perfect Payday is available for customers needing quick monetary remedy. Perfect Payday believes extending financial help to those in need shouldn’t take long to be granted, which is why quick personal …


These Are The Centrelink Benefits You Are Entitled To If You Have A Family

The financial assistance that Centrelink offers cannot be underestimated, yet not many may understand the kind of support that they are entitled to under the programme, especially families or first-time parents who are struggling financially. The financial assistance Centrelink offers varies depending on the beneficiary concerned, so knowing the kind of financial support to expect …


Applying for a Personal Loan – What to Know

Here’s What You Need To Know When Applying For A Quick Personal Loan With Perfect Payday Whether it’s for a financial emergency or to finance non-urgent expenses like family vacations or home renovations, financial assistance from established lending institutions like Perfect Payday is getable for customers needing quick monetary remedy. Perfect Payday believes extending financial …


How Do I Know If I Have Bad Credit

How To Determine If You Have Bad Credit History? Many people are still unaware of how credit report works or what it really is. Basically, a credit report is collected information on all your credit history. It is a record of all the credit you’ve secured for the past years. It also contains any severe …


Steps To Improve Your Credit Score

Financial struggles are a part of life. You may have dealt or are still dealing with money issues that prevent you from fulfilling your financial obligations, such as regularly paying your dues on loans and credit cards. Whilst financial challenges are beyond your control, you know you have to be on top of these concerns …


Achieving Financial Freedom

At some point in your life, you may have encountered the classic phrase, “money can’t buy happiness.” Whoever said this probably had tons of money. Though they are not completely wrong, the topic of financial freedom is very crucial. The best way to interpret the phrase is that having money is not all there is. …


Saving Money On Vacation

Traveling for family vacations is fun and exciting until you realize how expensive it is. To help you achieve a great vacation without hurting your wallet, here are effective travel tips on how you can save money while having the best time with your family. Planning Cheap Family Vacation Research As mentioned before, don’t settle …


How to Apply for a Personal Loan for Bad Credit

Applying, let alone getting approved, for a personal loan if you have a bad credit history need not be a long shot. You can take advantage of personal or short-term loans offered by reputable direct lender loans for individuals with poor credit ratings or bad credit records. Bad credit loans are specifically designed for people …


How Centerlink Beneficiaries Qualify For Personal Loans

When it comes to financial challenges, low-income earners know by heart that it could be hard to make ends meet when they have to juggle the usual bills to pay and unexpected expenses. In times like this, even receiving government income benefits on top of their regular salary won’t always be enough to cover all …


Why Personal Finance Should Be Taught In Schools

If there’s one thing that most people learn right away, it’s the fact that money affects everything. The famous line, “money makes the world go round,” makes a lot of sense. However, there are still a lot of pf people who lack the knowledge of the workings of personal finance, even until they already had …


Payday Cash Advance Vs Short Term Loan

Living from paycheck to paycheck can inevitably cause financial stress, yet this is a reality of life that most people face. In times like this, you can’t help but think of short-term solutions that will allow you to make ends meet whilst you wait for your next salary. Good thing there are sources available these …


Work On Your Creditworthiness

cred·it·wor·thi·ness the extent to which a person or company is considered suitable to receive financial credit, often based on their reliability in paying money back in the past. When thinking of availing yourself of a loan, a number of factors come into play that affects your eligibility to be approved or not. One of these …


Negotiating for a Pay Raise

Asking for a much higher salary is never a comfortable scenario both for you and your boss. Yet you have to be the one to break the ice, especially if you feel you’re now worth more than what you currently earn. Learn more today from Perfect Payday, where you can apply for payday loans. No …


Keep Track Of Your Credit Score

A good credit score is crucial to helping you gain financial freedom. Unfortunately, not everyone understands how this financial concept works and the role it plays in ultimately achieving a financially stable life. It is important that you arm yourself with handy information about credit scores and keep in mind why you should improve yours. …


How To Repair Your Credit

Whether it’s to pay off bills or simply to make ends meet, securing a loan has been the go-to fix for most people to meet their emergency cash needs. Sometimes though, paying off a high acceptance rate loan may need be as easy as getting one. There are reasons beyond your control that may affect …


Getting a Personal Loan When You Have Bad Credit

If you are dealing with a few financial challenges, the last thing you need is another slammed door telling you that you can’t get the help you need. Yet this is an inevitable reality that most loan applicants face these days, especially if they have a bad credit record that keeps them from being approved …


Money Goals Achievable By Age 30

This article will tackle 8 distinct financial goals that one must consider achieving before reaching the age of 30. But, if you are already at this age and you are still reading this, that’s completely ok. If you want to get a stronghold of your financial future, try ticking these off your list as soon …


5 Reasons for Getting a Personal Loan

Personal loans aren’t just for financial emergencies. You will be surprised to know that there are a number of ways you can actually benefit from getting a short-term loan, which can help you manage your finances better. In fact, when used responsibly, you can even use your payday loan to improve your financial wellbeing. Intrigued …


Three Tips for Saving Money

Saving money regularly is no doubt a goal for most people, but more often than not, it is easier said than done. There are bills and emergency expenses to face that eat up most of your monthly income. Add payday loans to the equation and getting on that road towards financial freedom seems to be …


How to Make Money on Instagram, Even If You Aren’t Famous

At PerfectPayday, we help you get a loan when you are low on cash and need emergency finances. This, of course, isn’t the perfect situation for you to be in. Instead of getting a cash loan, it is better to earn and save money so that you can have more stable finances. To that end, …


Why Cash Loans Australia Need to Have Stricter Rules

When a borrower takes a $400 payday loan, he still has to pay the huge interest rate that comes with it. This is despite the crackdown on rules that are prevailing in the payday loan industry in Australia. These rules are set to create some protection to borrowers who are in need of a payday …


The Better option: Cash Loans Online

One of the things that is happening today is that the internet is now a washed by online payday loan lenders. It is their way of attracting clients to avail of this short term loan to answer all of their financial concerns in the present time. Aside from this, it could also provide a better …


Australians See Payday loans as the Answer to their Financial Problems

$1 Billion AUS is the amount of new loans that Australians are expected to acquire year after year. This number could still rise in the years to come. This is just one proof that a lot of Australian households are falling under the distressed household category and these households that fallen vulnerable into the trap …


Need Cash Real Fast? Try Payday Loans Today

There will come a time when you will be faced with unexpected financial expenses that you’ll end up finding yourself in a serious problem. The moment you are faced with urgent financial problems, you can depend on instant payday cash loans to get the money that you need. With this financial assistance, you can get …


Don’t Ever Take Up Payday Loans Without Reading This Article

If you are cash strapped or face with an urgent financial emergency, it seems that borrowing a small sum of money as a cash loan for a short span of time seems like a very good solution. But, before you take the bait and take on that payday loan, make sure you read this article. …


Perfect Payday Loans is a trading name of Tiny Ventures, ABN 52 168 226 480, Credit Representative Number 516845. Loans available to over-18s only, subject to status. Perfect Payday Loans does not make loan or credit decisions, and is not a lender. Perfect Payday Loans matches customer’s loan applications with lenders in our database depending on the information provided. The completion of the application form does not guarantee approval of a loan. The loan amount will vary depending on the lender who accepts the application within our database. $1000 may not be available to every customer. The time taken to transfer a cash advance loan may vary. This website does not directly endorse a particular product and service. Any information on this website should be taken as opinion only.
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