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.
What Perfect Payday can offer you
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 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.
Perfect Payday is not a Lender
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.
In a Nutshell
- Loan minimum $100
- Loan maximum $2,000
- Interest rate 20% establishment fee and a 4% account management fee
- Loan term minimum 15 days
- Loan term maximum 45 days
- Average processing time 1 hour
- Online application
- Unsecured loan option
- Bad credit consideration
- Early repayment
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.
Advice on Non Payment
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 Perfact 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.
Eligibility & Requirements
- Employed full-time
- Credit check
- Active email address
- Bank statements
Other Products & Services
- Payday Loans