# 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.

## 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.