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.

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.