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5 forms found in the DOM

POST /apply-now/

<form action="/apply-now/" method="post"><input type="hidden" id="applynow" name="applynow" value="applynow"><input type="submit" name="amount" value="Apply Now" class="color--white mx-3 px-3 btn-link__tertiary"></form>

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POST /apply-now/

<form action="/apply-now/" method="post">
  <section class="background--primary header-offset">
    <div class="container my-0 my-lg-4">
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        <div class="col-12 mb-3 mb-lg-4 text-center">
          <p class="font-weight--700 color--white ts-0" style="line-height:1.2;margin:.67em 0;">Get <span class="color--tertiary">cash</span> in your bank <span class="color--tertiary">today</span>.</p>
          <p class="color--white font-weight--300 mb-0 ts-3" style="line-height:1.2;">Choose an amounts below:</p>
        </div>
        <div class="col-12 col-lg-9 mx-lg-auto">
          <div class="row">
            <div class="col-12 col-md-6 text-center"> <input type="submit" name="amount" value="$250" class="btn-link__tertiary--outline mx-1 my-1 my-md-2 btn-link__amount-select w-100 px-0 py-2 py-md-3 ts-4"> </div>
            <div class="col-12 col-md-6 text-center"> <input type="submit" name="amount" value="$500" class="btn-link__tertiary--outline mx-1 my-1 my-md-2 btn-link__amount-select w-100 px-0 py-2 py-md-3 ts-4"> </div>
            <div class="col-12 col-md-6 text-center"> <input type="submit" name="amount" value="$1000" class="btn-link__tertiary--outline mx-1 my-1 my-md-2 btn-link__amount-select w-100 px-0 py-2 py-md-3 ts-4"> </div>
            <div class="col-12 col-md-6 text-center"> <input type="submit" name="amount" value="$2500" class="btn-link__tertiary--outline mx-1 my-1 my-md-2 btn-link__amount-select w-100 px-0 py-2 py-md-3 ts-4"> </div> <input type="hidden"
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          <p class="color--white font-weight--300 mt-3 mb-3 mt-lg-4 mb-lg-4 ts-4" style="line-height:1.2;">or apply for a custom amount</p> <input style="z-index:9999999;" id="button-sticky" type="submit" name="amount" value="Apply Now"
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</form>

---

POST /apply-now/

<form action="/apply-now/" method="post"><input type="hidden" id="applynow" name="applynow" value="applynow"><input type="submit" name="amount" value="Apply Now" class="btn-link__tertiary"></form>

---

POST /apply-now/

<form action="/apply-now/" method="post"><input type="hidden" id="applynow" name="applynow" value="applynow"><input type="submit" name="amount" value="Apply Now" class="btn-link__tertiary--outline"></form>

---

POST /apply-now/

<form action="/apply-now/" method="post"><input type="hidden" id="applynow" name="applynow" value="applynow"><input type="submit" name="amount" value="Apply Now" class="color--white mx-3 px-3 btn-link__tertiary"></form>

---

Text Content

 * Payday Loans
   * High Acceptance Direct Lenders Loans
   * Direct Lender Loans
   * No Broker Loans
   * Payday Loans for Bankrupts
   * Payday Loans No Bank Statements Required
   * Payday Loans Weekend Payout Australia
 * Other Loans
   * Bad Credit Loans
   * Centrelink Loans
   * Cash Loans
   * No Credit Check Loans
 * How Loans Work
   

Home About Us How It Works FAQ
Apply Now

Get cash in your bank today.

Choose an amounts below:



or apply for a custom amount


HOW CAN PAYDAY LOANS HELP?

BRIDGE THE GAP

A cash advance helps until your next pay cheque.

CAR ISSUES

A cash advance can help if your vehicle needs repairing

FINANCIAL EMERGENCY

They can help with unexpected expenses

BILLS AND PAYMENTS

They can help with sudden unexpected monthly bills






WHAT YOU NEED TO KNOW




APPLYING FOR CASH LOAN

APPLYING FOR CASH LOAN

Getting cash from a payday lender literally comes at a price, so be sure that
you borrow money with interest only when you absolutely need it. It should only
be used as a last resort, because they are expensive. Most of the time, people
apply for this type of loan when they have emergency expenses, overdue bills, or
when a car breaks down. The first course of action would be to ask if the bill
payment can be deferred, but if not than you’d have to find a way to get the
extra money and pay it promptly.


FINDING THE ALTERNATIVE

FINDING THE ALTERNATIVE

This type of loans have been in the news a lot recently, but not all loans carry
the same risks. LendUp Loans are an alternative to traditional loans from a
licensed lender. A typical payday loan is exactly that: You borrow money against
your next paycheck.


WHAT ARE PAYDAY LOANS ONLINE?

WHAT ARE PAYDAY LOANS ONLINE?

Payday loans online are given by a lender to someone with bad credit or no
credit history in the Australia. They are for borrowers who have bad credit
scores. Examples of this loan type are loans with payday loans Australia and no
credit check loans. You can usually obtain this type of loan if you are
employed.


YOU CAN USE
INSTANT LOANS FOR

Special Occasions

Valentine’s, Mother’s Day, and Wedding Anniversaries are just some of the
occasions where extra special celebrations are expected. If you don’t have the
money, you can get a short term loan in order to not disappoint your loved ones.
Yes, it’s that important.

Finding the Alternative

This type of loans have been in the news a lot recently, but not all loans carry
the same risks. LendUp Loans are an alternative to traditional from a licensed
lender. A typical payday loan is exactly that: You borrow money against your
next paycheck.

Bad Credit

Thanks to it, those who have a bad credit rating or poor credit history can now
borrow money and sometimes there is even a guaranteed approval process. When you
take a payday loan, it’s usually for a small amount of money ranging from $100
to $1000 depending on who the direct lender is. Remember to compare your options
before availing of a short term loan. Cash advances and this loan offer
different interest rates and terms. Take a look and see which one is best for
your needs.

What are payday loans online?

Payday loans online are given by a lender to someone with bad credit or no
credit history in the Australia. They are for borrowers who have bad credit
scores. Examples of this loan type are loans with payday loans Australia and no
credit check loans. You can usually obtain this type of loan if you are
employed.

What are Cash Loans and Why Do You Need One?

Sometimes people only need to borrow money for a short period of time, and for a
small sum. These are typically repaid when you get your next pay cheque or
income from employment. If you are not employed you may still qualify for loans
for Centrelink. This is where you can get loans to payday.


PERFECT PAYDAY
IS FOR EVERYONE

FAST AND EFFICIENT

We know that if you are applying, you need the cash now, which is why our
service is simple and fast. Nobody likes hanging around, so apply today and get
a decision in minutes.

HASSLE-FREE SERVICE

No paperwork. No faxing. No phone calls. With our simple and fully secure online
application, we have taken the stress out of finding a small cash loan – what
could be easier?

CUSTOMER CARE

If you require any assistance, we are here to help whenever you need us. Taking
care of your finances can be tricky so let us lend a helping hand.

RESPONSIBLE PRACTISES

We don’t want to add to your burden, we are here to provide a solution. We take
our responsibility seriously and only find you a cash loan if it’s suitable for
you.

TRANSPARENT COSTS

We lay our cards on the table. We are free to use and totally transparent. So
you can apply confident that there will be no hidden fees or nasty little
surprises, just crystal clear loans.

APPLY NOW

If you are a little short until the next payday then apply now for a cash
advance up to $2000. No need to wait, you can apply 24/7, whenever the need
arises.


WHAT ARE YOU WAITING FOR?

No need to wait, you can apply 24/7, whenever the need arises.




PAYDAY LOANS - WHAT ARE THEY?

A payday loan is a small loan that's ideal for emergency payments of small
amounts, paying bills you can't afford this month, or making small purchases in
advance. You can get for $1000 or less, but the amount you can borrow a small
amount depends on how much you earn and your australian credit rating. Payday
loans are unsecured loans, meaning you don't need to place any collateral to
qualify for it. However, because of this, its tend to have higher interest rates
than your conventional mortgage or personal loan.

Payday loans are designed for individuals to borrow small loans with little
effort. Borrowers need to partially or fully repay these loans when their next
paycheck arrives, hence the name. However, several fast payday loan providers or
lenders allow borrowers to spread their repayment over a couple of months.

Depending on your location, you can get fast payday loans through physical
storefront payday loan lenders or the internet.


HOW MUCH CAN I BORROW WITH A PAYDAY LOAN?

The loan amount you can borrow will depend on your local government's law and
your financial capability. Most nations that allow payday lending cap the
borrowing small loans around $300 to $1,000. A fast payday loan provider will
also consider your expenses, income, and payday lending history to see how much
you can reasonably pay back with the interest rate proposed.


WHO CAN GET PAYDAY LOANS?

Virtually, almost anyone with a steady income can be approved for this, giving
you peace of mind the next time you need emergency funds. To receive a loan, you
must have:

The Right Qualifications
While you don't need to go through a credit check, you still need a few things
to be eligible for a payday loan. These qualifications include a
government-issued ID, a good standing bank account, and a steady paycheck.


APPLYING FOR A PAYDAY LOAN

Applying is a simple and straightforward process. Depending on the availability
of payday loan providers in your location, you can apply for these loans at
physical branches with payday loan lenders or via their official websites. The
processing for applications can be done at any time of the week, so you can
submit your request for a payday loan any time you need. There is no
establishment fee.

Personal Details
You will need to provide necessary personal information with the payday loan
application, including your name, address, and contact information, including
phone number or email address.

Bank Details
Unlike with traditional personal or other consumer loans where you need to
provide physical bank statements, payslips, and other paperwork of the bank
account, most payday loan providers speed up the application process by using
state-of-the-art technology to verify your expenses and income instantly.

Recurring Income
To get, you will need to have a regular source of income. It can come from jobs
or government payments just to ensure pay back.


REPAYING

Based on our experience most lenders will require you to repay your loan in full
with a single payment when you receive your next paycheck. Because loan lenders
have different repayment terms, ensure you ask them for the specific due dates
or check for the date indicated in the agreement to avoid paying unnecessary
additional costs.

And before agreeing to a loan, most loan providers as per our experience will
request you to set up a recurring payment policy or continuous payment
authorities to minimize their risks. It allows them to take what you owe them
directly from your bank account. Although handy, it can be risky as it can leave
you with not enough money in your account for your other bill payments, like
rent or mortgage. There is no establishment fee.

If you feel that a CPA agreement will not leave you with enough control, ask the
lender if you can pay them in other ways. Depending on the payday lender, you
may have several options to pay off your loan, including:

 * • Direct debit from your bank account
 * • A paycheck on your next payday
 * • A postdated check when you apply for the loan
 * • A different form of credit
 * • Paying online through the payday lender's website

When you miss a payment, or there isn't enough cash in your bank account for
your payment to be debited, you may request for dishonor fees from your bank.
However, most loan lenders can assist you with this problem with their
respective customer services.


TYPES OF PAYDAY LOANS:

There are many types of loans we currently offer here at Perfect Payday, such
as:

Centrelink LoanInstant Cash LoansSame Day Loans No Broker LoansDirect Lender
LoansPensioner Loans Cash Advance LoansCash LoansHigh Acceptance Rate Loans Bad
Credit Loans No Credit Check Loans


CONCLUSION

Before applying for a payday loan, think carefully about how and if you're able
to pay it back on time to avoid additional costs. When you decide to get a
payday loan, ensure you find a payday lender that's reputable and responsible,
like the perfect payday loan regulated by the ASIC (Australian Securities and
Investments Commission).




THE ELIGIBILITY REQUIREMENTS FOR A PAYDAY LOAN

Based on our findings the specific requirements will vary between lenders and
products, but the criteria usually include:

 * Age. You must be at least 18 years old.
 * Income. Applicants must prove that they receive a regular income. If this
   includes support from Centrelink, they'll need to show that at least 50% of
   their income is from alternative sources.
 * Banking statements. To assess income and expenses, lenders usually require
   read-only access to at least 90 days of bank statements.
 * Liabilities. Applicants must provide details of any other liabilities
   including outstanding loans or credit card repayments.

As long as the eligibility requirements are met, people can apply for these
loans online, though approval is not guaranteed. If approved, the lender may
make the deposit within a matter of days.


ABOUT THE AUTHOR




LUCY ADAMS

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

View All Posts


FREQUENTLY ASKED QUESTIONS ABOUT PAYDAY LOANS


Can I Apply For A Payday Loan If I Have Bad-Credit?

Yes. That's because most payday loan lenders don't require credit scores when
applying, allowing virtually anyone to avail for these small amount of loans.
Although these lenders still note your credit score, they focus more on your
current income levels and your ability to repay it. They focus more on a
customer's financial history than previous endeavors, so even if your credit
history isn't perfect, you are still eligible for this loan.

It's My First Time Applying for a Loan, What do I do?

If it's your first time taking out a payday loan, or any loan, it's essential to
understand the application process before applying it. For payday loans,
depending on your location's availability of payday loan lenders, you can either
apply for physical or online branches. However, most payday provides now opt for
holding the entire application online, so ensure you have the right documents
and financial details.

Are Payday Loans a Bad Idea?

There are many negative opinions when it comes to payday loans because of its
more costly nature when compared to other loans. Payday loans aren't necessarily
bad if you're capable of paying the fees at the right time. However, it's better
to apply for other alternatives if you're not sure you can meet the payday
loan's repayments' deadlines.

Can I Pay Out My Payday Loan Early?

Most payday loan providers will allow borrowers to repay their loans early
without any additional charges. However, customers still need to pay the full
amount they borrowed stated on the credit contact. You can contact your payday
loan lender if you need to organize early repayments to avoid any issue.

How Do I Know if My Details and Accounts are Secure?

Most reputable payday loan lenders use secure online systems to secure their
borrowers' data. Payday loan applications are carried out on secure online
application forms, protecting the customer's privacy with its 128-bit secure
servers and SSL (Secure Sockets Layer), ensuring all personal information is
safe and secure.

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Perfect Payday Loans is a trading name of Tiny Ventures, ABN 52 168 226 480,
Credit Representative Number 516845. Loans available to over-18s only, subject
to status. Perfect Payday Loans does not make loan or credit decisions, and is
not a lender. Perfect Payday Loans matches customer’s loan applications with
lenders in our database depending on the information provided. The completion of
the application form does not guarantee approval of a loan. The loan amount will
vary depending on the lender who accepts the application within our database.
$1000 may not be available to every customer. The time taken to transfer a cash
advance loan may vary. This website does not directly endorse a particular
product and service. Any information on this website should be taken as opinion
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