Rating based on 26 reviews

Perfect Payday

  • Payday loans up to $2,000
  • Low-interest starting from 20%
  • Repayment up to 45 days

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Perfect Payday homepage
Author Perfect Payday. Screenshot of Perfect Payday website.
[Accessed May 24, 2023]

About Perfect Payday

With Perfect Payday boasting a 60 second decision turnaround time, a small payday loan is really fast and simple to apply for online.

Perfect Payday has a great site and they are surely the benchmark in marrying simplicity into needed practicalities in the market of payday loans. The look & feel of their offering online has clearly been exceptionally well thought out and in a single page, a customer can glean all of the necessary information needed, if not right there on the home page then by a single click-through to desired answers.

Transparency & availability of information

Perfect Payday makes a fair statement regarding both the necessities of taking out a quick loan as well as the risks involved and very transparently has one or two thought-provoking articles for any potential borrower’s consideration posted on site.

Simple online application

Very logically and seamlessly laid out, an online loan application on this site will take only a few minutes to submit and the process is very speedy and efficient. They also have a pop-up that presents as a final caution once the application is started. Ethical, transparent and mighty fast - that’s the Perfect Payday experience.

Perfect Payday Services

Although low at $100, Perfect Payday states that it will extend a small loan of this nature to an Australian citizen without credit checks.

Offering short-term loans from that minimum of $100 all the way up to $2000, in $100 increments, makes the company a versatile and welcome presence for many Australians.

Repayment terms

Repayment terms vary from 15 days to a 45-day maximum. Although the various potential needs of a consumer are itemised as “bridge the gap”, “financial emergency”, “car issues” and “bills and payments”, in a secondary string of tabs beneath the principal and initial “apply now” tab one encounters when logging on, nonetheless they all go through an identical application form.

The form is a single sheet and can be completed in minutes. The payday loan application includes a “reason for loan” box for statistical purposes anyway.

Importantly, Perfect Payday is not a lender but a matching service/affiliate that will marry a client’s application to any one of a host of lenders. While costs thus vary from around 20% interest upwards, their value lies in the extreme connectivity they have with the lending fraternity.

Perfect Payday – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 20%
  • Loan Amount up to $2,000
  • Repayment 15 days to 45 days

Benefits of Perfect Payday

  • Reliable payday loans up to $2,000
  • Convenient loan term up to 45 days
  • Get a loan in 1 hour
  • Competitive interest rates from 20%

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This payday loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

If speed is of the essence, Perfect Payday is your answer

Perfect Payday doesn’t charge the consumer for entering & utilising their portal, but rather earn money via affiliation.

This explains to some extent why their lean is cautious and they surpass mandated government warnings about loaning money. As with many lenders, the advice on what to do if trouble is looming and repayments are in jeopardy is that a consumer merely picks up the phone to discuss things with the lender.

A consumer-friendly approach

Perfect Payday has a positive and consumer-friendly approach and this is apparent from their website. They are growing in the marketplace as a reputable and unfussed port of call for many Australians looking for a bit of extra cash at times and are set to rise, based on their detailed offering and very user friendly site.

FAQ’s on Perfect Payday

The FAQ’s are detailed and highly relevant and Perfect Payday has made a success of marrying various lenders into a comprehensive and understandable starting point for anyone looking for a payday loan.  Clients can mail queries through to Perfect Payday but there is no helpline assistance.

Apply now and get the cash you need

We have designed the perfect app for you all you have to do is fill in the app. There are no phone calls and no documents that you will need to upload, all you have to do is answer all of the questions and you will be done in a few short minutes. You can get up to $2000 and it won’t even take that long for your loan to be approved we promise to have it done in minutes helping to get rid of all that stress. All your worries will leave once you apply for a loan through us.

Customer care

We are here for you and that is why you can contact us at whatever time you need to and we will assist you with your queries or your loan. We are here to help you

Wanting a loan but worried about credit score

You can still apply with us all you have to do is send through your application and we will find you a lender that will look at the number of years you have been employed and your pay slips. This will help you get the loan you want and once you have paid it off it will help you to build your credit record back up. Helping you get started with a credit record

man holding thumbs up

Perfect Payday is a trusted & reliable provider of payday loans

In our review, Perfect Payday adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ Perfect Payday is a registered credit provider in Australia: ACL 391436

Customer Reviews & Testimonials

November 2018

They helped me relieve my stress when I applied for a payday loan I recommend them.

Pauline S
— Brisbane —

April 2019

Nice and easy application and I was sorted out within minutes could not recommend better service.

Natalie T
— Sydney —

April 2019

Quick app and great service when I needed it they are here to help.

Mel M
— Perth —

Perfect Payday Contact

Contact Number

  • not available



Physical Address

Opening Hours

  • Monday 09:00 – 18:30
  • Tuesday 09:00 – 18:30
  • Wednesday 09:00 – 18:30
  • Thursday 09:00 – 18:30
  • Friday 09:00 – 18:30
  • Saturday – Closed
  • Sunday – Closed