Frequently Asked Questions


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Perfect Payday is not a lender. We are a loan matching site and we will use our in-house technology to find a the most suitable deals for our customers.

At Perfect Payday, our aim is to ensure that we find the best possible loan deal for our customers.

The aim of Perfect Payday is to introduce our customers to a lender that will accept their payday loan application. Unfortunately, in some instances this isn’t always possible and if we do not manage to get you an approved loan, we may forward your details to another loan broker in order to give you the best chance of securing your funds.

The application process with Perfect Payday is really straightforward! Once you have completed the simple, online application form, you just need to wait a few moments whilst we run your details through our panel of lenders. If you get accepted for a loan you will automatically be forwarded to the prospective lender’s website and if you are unsuccessful in your application, we will forward your details onto another loan broker who may be able to help you.
The loan application through Perfect Payday only takes a few minutes to complete before you get a decision from our lenders. If you have been accepted then you will either receive the funds into your account on the very same day (providing you made the application before 3pm) or alternatively on the next available working day (if your application was made after 3pm or over the weekend). These times of course, are subject to you meeting the lenders criteria for loan approval and provide all the necessary information.
The loan amount will be transferred from your lender directly into your bank.
The amount of credit that you can borrow will be wholly based upon your personal circumstances. Using the table below you can get an idea of how much you will pay back dependent upon how much you borrow. In this example the interest rate is set at $24 for every $100 borrowed, but this will vary from lender to lender. This figure, together with the table below assume is that the loan is fully paid out within a month.
When you apply for a payday loan you will need to meet some standard criteria requirements. For example, you will need to be aged 18 years or older and have a regular source of income that is paid into an active bank account. It is also important that you are able to provide proof of your identification. However, each payday lender will have various requirements that they expect their prospective customers to meet and this will vary between providers.
We have to take your personal information in order to match you against the most appropriate lender for your circumstances. It is also necessary to take your information in order to verify that you are who you say you are, you will be able to re-pay the loan and that the account into which the funds are being sent is your own.
As part of the application process you will not be subject to a credit check. Hoverer, some lenders that we work with do use credit checking facilities or agencies in order to gain a greater understanding about how well you have re-paid credit in the past. If you are declined by a lender then we will do our best to find another lender to help you.
Your credit history may have a bearing on your application, but because we have such a large panel of lenders (many of whom work with people who have a poor credit rating), there is a good chance that we will be able to find you a lender who is willing to accept your application.
Many of our lenders will require that you have the funds deposited into an account which has a debit card facility. However, if you do not have access to one, then please get in touch and we can discuss potential options with you.
A payday loan needs to be re-paid on or before the payment date agreed in your contract. The amount that you owe will usually be debited from your bank account so that you don’t need to worry about sorting the re-payment yourself. However, some lenders will accept other re-payment methods and you can discuss this with them at the time of obtaining your loan.
The most important thing to do if you know that you will be unable to meet your loan re-payment in full or at all is to contact your lender to discuss your options. If you do not keep your lender aware of your situation and you miss a payment, it is likely that you will be charged a fee and this will increase the overall amount that you owe.
If there is something that we have done well then we would like to hear about it! By knowing where we are going right we can ensure that we keep on giving a great service to all of our customers. If you feel that we have achieved this then please contact us via email at:commercial@pingtreeaus.com
If you feel that there is something that we are not doing right or that there is a way for us to improve upon our services then please let us know! If we are aware of the things that need to change we can dedicate the time and effort needed to do so. We will not discriminate against anybody who would like to make a complaint and it will not affect our level of customer service to you. If you would like to contact us please email us at:commercial@pingtreeaus.com

Perfect Payday is a trading name of Pingtree PTY Ltd, ACL Number (434380), Unit 4, 134 Constance Street, Fortitude Valley, Queensland 4006. Loans available to over-18s only, subject to status I Registration Number: 159 893 491 I @ 2012. Perfect Payday does not make payday loan or credit decisions, and is not a lender PaydayLoans 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 payday 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.