At Bad Credit Loans, we are a friendly and understanding team of experts. We provide loans for people with poor and bad credit at competitive rates.

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Are you struggling to find funding? – Is bad credit making it hard to get a loan? Too many Australians face this uphill battle alone, going bank to bank with little luck. Bad credit happens, don’t give up hope. Apply for bad credit loans, with people that understand bad credit situations.

Loan Types

Bad Credit Loans Australia

We understand that time is important to you, and our friendly team work quickly to go through your application form for a personal loan. Our process is really simple and our team will ask you all the right questions without any judgment so you can access your funds as soon as possible. Choose from our range of loans for people with bad credit today.

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Loan Types

Bad Credit Personal Loans

A bad credit personal loan can help when you are looking to fund your personal life. Many of our clients use our debt consolidation loans or low doc loans for holidays, vehicle expenses, medical bills and many other unexpected expenses life may throw at you. Try our loan repayment calculator to find out the best repayment terms for your needs.

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Loan Types

Bad Credit Business Loans

Your business shouldn’t suffer just because you have poor or bad credit. We understand that sometimes you need to access funds fast to pay for a delivery, shipment, or simply to cover some start up costs for your business. We believe you should have the opportunity to have a business loan and not be judged just because you have bad credit.

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It can be discouraging getting turned away due to a past borrowing mistake. A default or missed payment on your credit file does not mean you are a bad borrower. Whether you're in need of loans for bad credit history, business loans, no credit check loans, low doc loans, small loans or debt consolidation Bad Credit Loans can help you sort it out.

If you have a bad credit file due to:

Bad Credit Due to Late Payments

Late Payment

Bad Credit Due to Financial Hardship

Financial Hardship

Bad Credit Due to Loan Default

Loan Default

Bad Credit Due to Missed Payments

Missed Payment

Don’t give up hope! Get started now with our no-obligation, 30 second enquiry process!


When you have poor credit or bad credit, a loan can feel out of reach. Many of the banks will turn you down. On top of that, every time you apply with a bank and they check your credit file, your credit score is lowered a little.

With all the enquiries, not only does your credit score take a hit, but your confidence does too. Nobody likes to get rejected for money, especially when you need it to cover life’s surprises. The lending guidelines banks use can create a barrier for you to get funding. With a few past borrowing errors on your record, it becomes impossible to borrow.

Turn to a low doc loans lender who sees you as a person, not a file. We have an easy online enquiry form. Our process isn’t about judging you for your credit file. We take time to understand your situation and find a way to put you in a better place. We can assist you with personal loans to help you fund your life!