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About Perfect Payday

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.

We help people who need loans to find a lender who is interested in giving them a loan. We strive to find the best deal possible for those who use our service.

Have we really helped your situation and you wish to let us know? We would love to hear about it! We enjoy discovering how we have been able to help our customers. If you feel we have earned a compliment, please send it to: infor@perfectpayday.com.au

If you feel we’re not doing something right, or have a suggestion to improve our service, please let us know! We appreciate the time and effort you take to make us aware of challenges you have had with our service. We do not discriminate against those who make complaints and it will not affect our customer service for your account. You can send your complaint to infor@perfectpayday.com.au.

Application Process

While we endeavor to match loan providers with everyone who submits an application, it isn’t always possible to do so. If we are unable to help secure a loan for you, we may forward your application to another broker to increase your chances of receiving a loan.

Our loan application process is simple. After you have completed our application, you wait a few moments while we try to match you with a lender. If accepted, you will be forwarded to their website. If not successful, we forward your application to another loan broker who may be able to assist you.

Submitting an application only takes minutes. If you have been accepted, you receive funds to your account the same day (providing you made your application before 3pm). The times are subject to you meeting the criteria put forth by the lenders and provide them with the information they require.

If you submit your application after 3pm, or during the weekend, then the application will be processed the next business day.

If your loan is approved, the amount will be transferred from the lender directly into your bank account.

The amount you can borrow will depend on your individual circumstances. It will be influenced by how much money you make and what your monthly expenses are.

You must be 18 years old and have a regular source of income that is paid into an active bank account. You should have proof of your identity. Each lender has other various requirements they expect of those who borrow from them.

It is required that we verify that you are who you say you are. We also must verify that you are able to repay the loan, and that the funds you use to repay your loan are your own.

You will not have your credit checked by merely submitting an application. However, some lenders we work with will require a credit check. It will be your option whether to work with a lender if they require a credit check that you do not want performed.

Some of our lenders will require a credit check. However, we work with many lenders, some of which have more lenient requirements when it comes to credit. There is a good chance we can find you a lender, even if you have bad credit.

Most of our lenders require a bank account that has a debit card attached to it, in which to place funds. If you have a bank account but do not have a debit card, contact us and we will discuss what options you may have to get a payday loan.

Fees & Repayment

Your loan should be repaid on or before the date specified by your loan company. The amount of money that you owe should be automatically deducted from your bank account, so you do not have to worry about the specifics of how to make the payment. Some lenders will allow you to select other forms of repayment, which you can discuss with them as you receive your loan.

If you are unable to make your payment on the date specified, contact your lender to discuss your options. It will be more expensive if you do not contact the lender and discuss your situation, as extra fees may increase the total amount owed.

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