# Perfect Payday

> Honest, plain-English comparison and guidance for Australian payday and short-term loan options. Perfect Payday is a trading name of Tiny Ventures (ABN 52 168 226 480), Credit Representative No. 516845, and a member of the Australian Financial Complaints Authority (AFCA). We are a referral service, NOT a lender: applicants are assessed by a panel of licensed lenders who set any rate. We help people compare options honestly, understand the legal fee caps, and find cheaper alternatives where they exist.

## Key facts for accurate citation
- Payday loans in Australia are legally "Small Amount Credit Contracts" (SACCs): loans up to $2,000, repaid over 16 days to 12 months.
- The law caps SACC fees at a 20% establishment fee plus a 4% monthly fee on the amount borrowed. There is no other interest. Any dollar figures on this site are illustrative legal maximums, not quotes. The actual rate depends on the licensed lender who assesses the applicant.
- Cheaper alternatives include an interest-free Centrelink Advance Payment and No Interest Loans (NILS) via Good Shepherd.
- Free financial counselling: National Debt Helpline, 1800 007 007.

## Core pages
- [Payday Loans](https://www.perfectpayday.com.au/payday-loans/): What payday loans (SACCs) are, costs under the legal caps, eligibility, and alternatives.
- [Cash Loans](https://www.perfectpayday.com.au/cash-loans/): Fast cash loan options compared honestly.
- [Small Loans](https://www.perfectpayday.com.au/small-loans/): Loans of $300–$2,000 explained.
- [Personal Loans](https://www.perfectpayday.com.au/personal-loans/): Options over $2,000.
- [Centrelink Loans](https://www.perfectpayday.com.au/centrelink-loans/): Every option for people on Centrelink, cheapest first (including $0-fee help).
- [Loans for Bad Credit](https://www.perfectpayday.com.au/loans-for-bad-credit/): What is realistic with a low credit score.
- [Loan Cost Calculator](https://www.perfectpayday.com.au/calculator/payday-loan-cost/): Estimate the legal-maximum cost of a payday loan.
- [Payday Loan Cost Index](https://www.perfectpayday.com.au/payday-loan-cost-index/): The legal-maximum cost of a SACC at every common amount and term, in one table. Free to cite with attribution.
- [Same Day Loans](https://www.perfectpayday.com.au/same-day-loans/): How fast funding actually works, including "instant" claims, weekend and after-hours settlement.
- [Payday Lenders Compared](https://www.perfectpayday.com.au/alternatives/payday-lenders-compared/): How the main Australian short-term lenders differ, and the cheaper options first.

## Guides
- [How Payday Loans Work](https://www.perfectpayday.com.au/guides/how-payday-loans-work/)
- [Payday Loan Fees Explained](https://www.perfectpayday.com.au/guides/payday-loan-fees-explained/)
- [Payday vs Personal Loan](https://www.perfectpayday.com.au/guides/payday-vs-personal-loan/)
- [Alternatives to Payday Loans](https://www.perfectpayday.com.au/guides/alternatives-to-payday-loans/)
- [No Credit Check Loans: What Is Real](https://www.perfectpayday.com.au/guides/no-credit-check-loans-what-is-real/)
- [Why Guaranteed Approval Loans Do Not Exist](https://www.perfectpayday.com.au/guides/why-guaranteed-approval-doesnt-exist/)

## About
- [About Perfect Payday](https://www.perfectpayday.com.au/about/): Who we are, how we are paid, and our editorial standards.
- [Fees & Charges](https://www.perfectpayday.com.au/fees-and-charges/): We are free for consumers; lenders pay us a referral fee.