Same Day Loans – Apply Today!

Financial emergencies are a fact of life and they often occur at the most unexpected and inconvenient moments of one’s life. Your kids get sick, car broke down, your rent is due, and the children’s tuition is waiting to be paid, and other series of unfortunate expenses that have to be settled fast. Even if you work hard to support the whole family and make the right decisions when it comes to your finances, living from one paycheck to another can be tough, and small financial hiccups are sure to become major setbacks later on. When your credit appears problematic, it would be tough to secure a loan from your bank to cover these costs.

For a lot of us, this can mean facing a day without food, or other necessities to get the money to pay for whatever it is that is owing. But, the latter choice can have this snowball after effect, with late penalties, high interest, and late fees all accumulating can easily get anyone into a bigger problem, and this, in turn, can impact your credit as you fail to pay one or another. In this case, it is very easy to begin to feel all stuck in the rut and it seems that you are unable to get out of the rat race. A same-day loan can help you obtain the funds you need fast, so you can manage your immediate and unforeseen expenses without the long term negative effect on your credit. If you are lucky, you can get your loan the same day or the following day.

What is a Same Day Payday Loan?

The same day loan is extended the same day, upon submission of your loan application. With many loans, it cannot be guaranteed the same day but it is nearly the same day or the next day after you have complied with your requirements and fulfilled the application process entirely.

Typically, this kind of loan involves a small amount of money. Everyone is encouraged to apply notwithstanding their credit scores. Payday lenders will never conduct any credit check or assessment on you. Hence, online same day loans are very much possible if you apply and process your application earlier. They are by far, the most convenient way to obtain cash online.

What is a same day loan approval or decision?

With many online lenders, you can apply for as fast as 5 minutes and get the same day loan approval or decision in an hour or lesser. Upon due submission of your application, your loan will be processed and an immediate decision will be made if you are approved or not. This way, you will easily know whether your same day loan is approved or not.

What is the difference between same day loans and other providers?

The same day loan offered online, or a direct lender loan, can easily get you the cash you need fast, however, you have to make sure that it is safe and that you will be able to control your finances accordingly. You have to make sure that your loan terms are made very clear to you. So, make sure to read behind the fine lines. Companies always make sure that their loan terms are made straightforward and clear, so customers know exactly what they will get and their concurrent responsibilities after the loan have been approved and processed. This includes repayment terms, interests, and more.

Make sure you deal with companies that are duly licensed and insured. This will mean that they have properly complied with all the laws and regulations necessary in your country and are capable to provide better protection for the customers. Furthermore, these companies do not resort to traditional credit checking which simply means, you will be approved regardless of your credit status or imperfection. The transfer times are very fast after approval. If you got your approval before 5:00 pm, you will get the electronic transfer to your bank within one business day, or maybe after a few hours if it is the weekdays.

Many good companies are providing you with the right tools to improve your financial condition, that is why they offer the customer with access to free financial literacy data for their protection. This includes proper money management, budgeting, saving tips, and more. We want to help our customers to be later on become responsible borrowers and be able to be financially stable later on.

Requirements for Applying for Same Day Loans

We know nobody’s perfect, and we know for a fact that everyone makes mistakes. When you fail to qualify for a high acceptance loan through conventional outlets like banks or financial institutions, do not worry, you can always get a no credit check loan from us. You do not have to have a good credit standing to be approved and we never do any traditional credit check on you.
But, there are some very basic requirements you have to meet for you to qualify for a no broker loan.

These can include: be at least 18 years of age, a resident of the place where our company is operating, have an active checking or banking account that can receive electronic transfers, have a regular job, or a steady source of income.

If you feel you have these basic requirements covered, then, you can always apply for a loan with us and process it for less than 5 minutes. Our company will make your application fast, hassle-free, and easy. If you are faced with a sudden emergency financial issue, our no credit check loan will help you spend your quality time from worrying how you can come up with the money real fast to meet your unforeseen financial obligation real quick and get you back on track with your expenses.

To qualify you to have your vital information, documents, and files ready before you submit your online same day loan application. Here are some of the basic requirements you need to secure:

  • Active phone number
  • A UK citizen
  • Of legal age, you have to be at least 18 years old
  • Proof of identity (Government-issued ID or work ID)
  • Proof of address such as common utility bills like water bill, cable bill, internet, telephone, or electric bill.
  • Employment status. If you are employed, you have to pass a scanned copy of your employment certificate, verification letter, affidavit, or certificate of income, etc. You can request these documents from your human resource department, or your employer, or the company you currently work for.
  • Bank account. This must be an active account under your name and one that is capable of accepting electronic bank transfers.

Do You Qualify For a Same Day Payday Loan?

Now is the right time to obtain an instant loan. It is fast, discreet, hassle-free, and helps you face your financial problems without any issue. The right company will be able to provide you assistance with your loan application and approval. The most important thing of all is you do not have to provide any credit report or history to prove your capability to repay your loan. All you have to do is secure all the basic requirements needed and wait for your approval. Your same day loan proceeds will be in your bank account on the same day your loan is processed and approved.

Find Same Day Loans Up To $10,000 With Perfect Payday

Same day loans may be the best solution if you find yourself facing financial pressure. The first step to getting the fast cash you need is to find the right lender. Perfect Payday can help! We’ll pair you with a potential lender that offers same day loans of up to $10,000 in just a few minutes.

What are same day loans?

It’s a convenient form of credit that can be repaid over a short period. As its name suggests, this type of loan will give you the cash you need on the same day you submitted your application. But before anything else, borrowers have to fill out an online application form, which they can complete in a matter of minutes.

After that, Perfect Payday’s lender-finder service will try to find a credit provider that could offer bad credit loans that range from $300 to $10,000.

Are you receiving government assistance? Don’t worry because you can still apply for unsecured or secured loans for Centrelink recipients.

How Do Quick Loans Work?

Lenders offering same day loans will evaluate your loan application as quickly as they can. If the application has been approved and all goes well, you will get access to the funds you need on the same day you approved your loan contract.

If you need fast cash today, you should find a lender that offers quick cash loans. However, looking for the right lender and submitting several applications can be tedious and time consuming. Fortunately, you no longer have to worry about all these because Perfect Payday is here to help.

How to use Perfect Payday’s lender-finder service:

  1. Indicate how much you want to borrow and your preferred repayment terms using the loan calculator that you’ll find on top of this page. Then, click Apply now.
  2. Fill out the online form. Submit once done and we’ll start to pair you with a potential lender.
  3. Our 100% online system will scan through various loan products. If you’ve been paired successfully, the lender will get in touch with you directly. You’ll receive a contract that you need to approve before your loan can be processed.

Note: How soon you can access the funds you need will depend on inter-bank transfer times.

What are the pros and cons that I need to know?

This form of credit is an excellent option if you are faced with a financial emergency. But just like other loan products, it comes with its own set of advantages and disadvantages. Here are a few things you need to know.

The Advantages

  • You may access the funds the same day you approved your loan contract.
  • Eligibility criteria is more open and easier than traditional lenders.
  • Charges, fees, and rates are limited by the government.
  • You can pay back your loan through direct debit.

The Disadvantages

  • Often have higher rates and fees because of shorter payment terms and risk of bad credit.
  • Missed payments can easily push borrowers into a debt spiral and cut down one’s credit score.

What does Perfect Payday’s past clients have to say?

Searching for payday loans online is what you’re likely to do if you find yourself in a financial bind. However, you may have other options aside from this.

At Perfect Payday, we strive to help as many as we can regardless of where they are located in the country.

The lenders we work with may offer small unsecured personal loans and larger secured loans.

Listed below are some examples of the loans our applicants were able to get after getting paired with a lender through Perfect Payday:

  1. Same day cash loans – $800
  2. Quick loans bad credit – $ 1350
  3. Quick loans same day – $2,100
  4. Same day cash loans online – $3,600
  5. Bad credit loans – $8,000

The list provided above should also be used as a guide. The figures provided are only examples of the loan amount that you may be approved for by your credit provider. It is possible to get loans with no credit check, but we cannot give you a 100% assurance.

What are online loans available same day?

Let us remind you that we are a lender-finder service that uses a 100% online system. We don’t just make the process of finding a lender easier and more convenient but also help you to get the loan you need as fast as possible.

After completing Perfect Payday’s simple instant loan application, we will do our best to pair you with a potential credit provider. If we are successful in finding one, the lender will evaluate your loan application. The needed assessment will be done to determine if the loan product you’re looking to have is suitable for your personal situation.

Once the lender is ready to make an offer, they will get in touch with you through their chosen method. Always remember that it’s possible that the loan that will be offered to you is different from that you’ve applied for on our website.

Depending on your personal circumstances and the credit provider that you’re matched with, you may or may not get access to the funds you need the same day you approved your loan contract.

Perfect Payday is your best bet in finding a potential lender quickly and easily.

How can I boost my chances of getting a loan on the same day you applied for the loan?

Everybody wants everything to happen instantly. Although getting the funds from your loan on the same day you submitted the application is possible, it cannot be guaranteed. But that doesn’t mean it cannot happen and there are things that you can do to increase your chances of getting the cash on the same day.

  • Give the right information – make sure that you provide all needed details when you submit your application so that lenders don’t have to delay the process because your information is lacking.
  • Business hours – Just like all other businesses, lenders also follow regular operating hours. If you submit an application outside normal business hours, you can’t expect a response until the next business day.
  • Keep your phone close – always check your phone or email during the assessment phase. Make sure you respond to the questions of your lenders right away so that they can process your application quicker and provide you the outcome you need as soon as possible.

Always remember that you might not be able to receive an outcome during public holidays or weekends.

What are easy approval same day cash loans?

You’ll encounter unexpected expenses at some point in life. And in most cases, these things happen during the most inopportune moments.

Maybe your car broke down and you don’t have extra cash to have it fixed. Perhaps your sister decided to have a last minute wedding overseas and you need fast cash to cover your travel expenses. Or maybe, you need funds to cover the rental bond for the new place that you’d like to get. Regardless of what purpose the funds will serve, Perfect Payday will help find lenders providing fast loans online.

We are a lender-finder service and that means we work with a network of lenders who are ready to help loan applicants.

Gone are the days when you have to spend several hours going through different credit providers or wasting time applying for loans that you are not eligible to get. Why don’t you make things a lot easier by using Perfect Payday’s free service?

However, you need to remember that it’s up to the lender whether to approve an application or not. Perfect Payday cannot provide you with a guaranteed approval.

What do I need to do before applying for same day personal loans?

A same day loan may seem like the best option when you need fast cash to cover your short term financial shortfall. However, not everyone can get this form of credit. So before you apply online, here are a few things you need to consider.

  • Your Finances – do you know what the repayment terms will be? If yes, then you need to ask yourself if you can afford the repayments along with your other regular expenses.
  • Fees and charges – do you know what the fees and charges that you need to cover? How about the upfront and ongoing fees that are associated with the loan? Do you have any idea what will happen if you miss or are late on a scheduled repayment?
  • Interest – the interest rate is a percentage of the principal loan amount. Interest rates are different from one lender to another, if you applied for a secured loan, and your credit history.
  • Criteria – are you eligible to get a loan? Some lenders don’t approve applicants with a poor credit history but there are also a few that are willing to do so.
  • Loan purpose – a lot of consumers take out same day personal loans to cover an emergency expense. But in some situations, this form of credit may not be the best choice. You should assess if the expenses is really an emergency or if there are other things you can do instead of securing a loan.
  • Features – is the loan a variable or fixed rate? If you make early repayments, will you incur a fee?

Can I apply for same day cash loans online?

If you wish to use Perfect Payday’s lender-finder service, you need to meet a few eligibility requirements. You need to make sure that:

  • You are at least 18 years old.
  • You are a permanent resident or a citizen of Australia.
  • You have an active email address and mobile number.
  • You should have a personal bank account with a readily available online banking feature.
  • You should have received regular income over the last 90 days.

If you meet all the criteria listed above, then you can now use Perfect Payday’s lender-finder service for free.

What documents do I have to submit?

Australian law requires all lenders to assess the financial situation of all their loan applicants. They must verify that the applicants earn regular income and can afford future repayments.

In line with that, lenders may request the following documents to be submitted.

  • Copies of bank statements showing your transaction history over the last 90 days
  • Payslips from Centrelink or from your employer
  • Utility bill statements
  • Rental property statements
  • Proof of identification

With Perfect Payday’s lender-finder service, providing all the needed information was simplified and made more straightforward. Since we use an online system, we can access your banking information digitally so you don’t have to worry about any of it.

Easy Online Application

At Perfect Payday, we know what consumers want when they search quick loans same day online. They want to find a loan that can be processed on the same day they submitted their application. This is one of the reasons why Perfect Payday designed an easy and fast lender-finder service.

Here are the steps involved in finding lenders that offer quick loans through Perfect Payday:

Step One – Submit an Online Application

We want to make applying online as simple and convenient as possible. First, find the loan calculator at the top of the page. Choose the amount you want to borrow and your preferred repayment terms.

Perfect Payday will find credit providers that offer same day personal loans that range from $300 to $10,000. How much you wish to borrow will affect your repayment terms.

Step Two – It’s Time To Relax

There’s nothing much left to do after you’ve completed the online application. Just you have to wait, relax, and wait for us to get back to you with an outcome. Our system is designed to scan through multiple loan products in just a few minutes. If we’ve successfully paired you with a lender, you’ll receive a text or email from us informing you about the outcome, so be sure watch out for notifications.

Step Three – Get In Touch With Your Lender

If we’ve managed to pair you successfully, then you can expect your lender to get in touch with you directly. They will send a copy of your contact and if you approve, you can sign in digitally. Once you’ve provided your approval, the lender will start to process your loan and transfer the funds to your account.

However, how long before you can access the funds will depend on when you approved the contract and the inter-bank transfer times. For instance, if you approve your loan contract outside the lender’s normal business hours, they won’t be able to transfer the funs until the next business day.

Otherwise, you can expect your loan transferred to your account the same day, or the next day.

Where can I find same day payday loans for bad credit?

Having a poor credit score because of past mistakes in handling money isn’t uncommon. The problem is that it’s not easy to improve your credit score. For example, a credit default may stay in your credit history for as long as seven years.

This is one of the many reasons why consumers with bad credit history feel like they only have limited options.

Although banks and other traditional lenders may not be willing to approve your loan, you can still find other options. For instance, you can turn to short term lenders that are willing to give you a loan despite your poor credit report.

Perfect Payday can match you with a potential lender. Even if you have poor credit, you will still have a shot at securing a loan approval with the help of our lender-finder service.

Can you help me find a quick no credit check loan?

Having a bad credit history oftentimes stand in the way of securing online loans with no credit check.

Given that Perfect Payday is a lender-finder service, we cannot guarantee that the credit provider you’re paired with will not perform a credit check.

What we can assure you instead is that your poor credit will not be the only basis. Perfect Payday works with a network of lenders who understand that life happens. These credit providers may be able to look past your poor credit history and consider your current financial status in determining if they should approve your loan or not.

Can you help me find a low interest loan same day?

The credit providers we work with are known for offering competitive interest rates. But, as previously mentioned, we are only a lender-finder service. This means we can’t really say what your interest rate will be.

You can get a good idea of what the costs would be by checking out Perfect Payday’s costs page. Just remember that it’s only a guide and not the actual cost of your loan. You can also check your lender’s costs page for more information.

If you apply for a loan, you will most likely be charged with additional fees on top of the principal loan and interest rate.

Can I get quick loans during weekends?

You can use Perfect Payday’s lender-finder service anywhere and anytime. However, it’s highly unlikely for you to get the money you need over the weekend.

Most banks are closed during weekends and that means they won’t be able to process money transfers during this period. So, if you approve your credit contract on a Friday night, your lender won’t be able to process the loan until the next business day.

If you wish to know more as to when you can access your loan, it’s better to get in touch directly with your credit provider.

Is it safe to give Perfect Payday my banking details?

As you fill out our online application form, you’ll be asked to provide your internet banking details. It’s understandable if you are a bit hesitant in providing this sensitive information.

What we’d like you to know is that we use only the latest and safest banking technology to access a read only copy of your bank statements. We’ll then forward the details to a potential lender who will use it to evaluate your current relationship with money. If they determine that you have been receiving regular income and you’ve been managing your finances responsibly then you still have a chance at securing an approval despite having a bad credit history.

Perfect Payday is working with some of today’s top tech security firms like Comodo and McAfee to make sure that your confidential banking information are kept safe and secure at all times. Your banking details are encrypted as you enter them into our system and will be deleted after it serving its purpose. Additionally, none of us will see or have access to your password.

Can Perfect Payday Find Quick Loans For Pensioners?

It’s possible. Pensioners may be able to secure an approval from one of the credit providers that Perfect Payday work with. We work with a network of lenders and some of them may approve the applications of borrowers whose income is made up of regular pension payments. Generally speaking, you’ll have higher chances of securing an approval if the lender determines that you can afford making future loan repayments along with your regular expenses.

Additionally, you’ll have better chances of getting a loan if you’ve received regular income into your personal account over the last 90 days, at least. But keep in mind that it all boils down to the lender.

Can I get a loan if I am receiving government benefits?

It’s still possible to secure a loan approval even if you’re a recipient of Centrelink. Unlike traditional credit providers, the network of lenders that Perfect Payday works with may consider government benefits as a form of income.

If you’ve been receiving government assistance in your personal bank account for at least 90 days, then you may still be considered for approval. Use Perfect Payday’s lender-finder service now if you’re looking for same day personal loans that range from $300 to $10,000.

Can you help me find same day emergency loans?

If you need emergency cash but you’re unemployed, you might want to consider taking out a loan that doesn’t involve a credit check. If you are facing a temporary cash shortfall and you are worried about your poor credit history, you’re more likely inclined to look for a credit provider that won’t check your past financial transactions.

Fortunately, Perfect Payday is here to help. We are a lender-finder service and we’ll try to pair you with a credit provider that offers a quick personal loan.

Depending on the lender you’re paired with, you can get a loan that range between $300 and $10,000.

Perfect Payday Knows A Lender For All Kinds of Situation

Perfect Payday has been in the industry for several years and it has allowed us to build a network of reliable credit providers. Additionally, these are unsecured loans and that means you don’t have to attach an asset as security.

What are small same day payday loans?

Small personal loans are unsecured loans that range between $300 and $2,000. You’re expected to pay back the loan over the period of 12 months.

What are medium same day loans?

Medium same day loans are secured loans ranging between $2,100 and $4,600. Since they are secured loans, you need to attach an asset as collateral against it. You’re also expected to pay it back between 13 and 24 loans. Perfect Payday may be able to pair you with a lender that accepts assets like car, motorbike, caravan or boat as collateral.

What are large quick loans?

Large same day loans are secured loans that require a collateral. They range between $5,000 and $10,000 with a repayment period of between 13 and 24 months.

Can Perfect Payday Help Me Find Payday Loans?

Perfect Payday may not be able to pair you with lenders that offer payday loans without credit checks.

Payday loans, which also come by the name cash advance, need to be repaid over a short period of time. What our lender-finder service can do for you is pair you with a credit provider that offer personal loans.

What do I need to do to get a payday loan?

It’s highly unlikely that Perfect Payday will be able to pair you with an Australian lender that offers a payday loan. But what we can do, instead, is match you with a credit provider that offers same day personal loans. We work with a network of lenders that could process your application and give you the funds you need the same day you approve your loan contract.

But you need to remember that access to your funds will depend on several factors including inter-bank transfer times.

Responsible Lending Practices

The lenders we work with follow responsible lending practices. Simply put, they will do their due diligence in making sure that you meet the requirements to secure a loan.

The ASIC created the rules governing these lending practices and you can find more information on their website.

A Few Warnings

Do your research first about all the available option before you submit an application. For example, if you are a Centrelink recipient, you should seek out an advance from Centrelink first.

Apart from that, you’ll find more information about small amount loans and other loan options at the Government Moneysmart website.

If you are low on income or you’re receiving benefits from the government, you have to consider all your alternatives first before applying for a loan.

How do I repay the loan?

Making repayments has never been easy. It’s been simplified and made more convenient. Lenders will set up a direct debt on your account. By doing so, scheduled repayments are done automatically.

Money will automatically be taken out of your account as scheduled. Repayments can be done on a weekly, fortnightly, or monthly basis, but this will depend on the lender. Once you’ve settled the loan, the direct debit from your account will be removed.

In case something unfortunate happens and you’re unable to pay your due, get in touch with your lender right away. Lenders may consider your circumstances and cancel or reschedule your payment for a contractual fee if you provide them with enough notice.

If there has been significant changes in your finances and you won’t be able to make future repayments, applying for financial hardship could be your last resort.

What is financial hardship?

Financial hardship is there to help borrowers who are unable to afford their repayments because of drastic changes in their financial situation. These may include the loss of a job or getting injured at work. This circumstance could prevent you from paying back the loan.

Fortunately, lenders have hardship departments that handle such cases. Here are the steps involved when applying for financial hardship.

  1. Contact your lender through email or phone.
  2. Inform them that you intend to apply for financial hardship.
  3. Provide evidence of hardship. For example:
    • Medical certificate
    • Separation certificate from your employer
    • Bank statements
  4. Your credit provider will evaluate your claim.
  5. If approved, the lender will offer a hardship adjustment.

Apply Now!

Have you decided to apply for a loan? Find the loan calculator on top of this page. It’s better to apply during normal business hours because you’ll have higher chances of receiving an outcome in as fast as 60 minutes.

Do you have any questions? Check out our FAQs or get in touch with us directly.

Start your online application now.

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About the Author

Lucy has over a decade of experience in finance. She is currently the content curator here at Perfect Payday.

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