Is bad credit holding you back?

Take control of your finances with a bad credit loan.

No impact on your credit rating - Obligation free
Bad Credit Loans is a friendly and understanding team of bad credit experts, providing loans for people with poor and bad credit at competitive rates.

What are bad credit loans?

did the banks say no

Do loans feel out of reach?

When you have bad credit, a loan can feel out of reach. Many of the banks will turn you down because you are not considered "creditworthy". With each application, they check your credit file leaving a credit enquiry on your file. This can lower your credit score and lower any hopes of securing finance. 

Bad credit loans for medical bill

Life can throw curveballs

We understand that life is not always straightforward. Sometimes we are thrown with curveballs that can get in the way of our financial goals. We believe that this should not impact your financial future. We see people as humans, not credit files.

Fast and easy bad credit loans

Fast, competitive loans

That's why we offer a range of fast and competitive funding options for people with bad credit. Rather than applying with a bank, speak to one of our understanding bad credit loan experts. We'll take the time to understand your situation and find the most suitable way to put you in a better place. 

What loans are available for people with bad credit? 

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Personal loans

A bad credit personal loan can help when you are looking to cover any personal expenses. Many Bad Credit Loans clients use our debt consolidation loans or low doc loans for holidays, vehicle expenses, medical bills, and other unexpected expenses. Try our loan repayment calculator to find out the best repayment terms for your needs.

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Business loans

Your business shouldn’t suffer just because you have poor or bad credit. Bad Credit Loans 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 because of your bad credit.

A bad credit loan for all your financial needs 

You can’t plan for everything and sometimes you may need financial assistance. Even if you have a low credit score we can help.
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Urgent car repairs

Sometimes cars break down and you may not have the spare savings to fix your vehicle. It's even harder if you have bad credit. With a bad credit loan, you can get your car fixed and get back on the road.

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Medical expenses

We never know what is around the corner, and there are times when you or your loved ones need to pay for medical expenses. Bad credit loans can help with health challenges.

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Business expenses

Running your own business is always challenging and with bad credit you may not be able to secure the funding your need to run your business effectively. Our loans can offer a second chance.

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Travel loans

Don't let bad credit from securing loans to satisfy your wanderlust or visit family interstate or internationally. You may even want to take a family holiday. Our bad credit travel loans offer the funding you need.

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Loans for weddings

If you are a couple preparing to tie the knot, or parents wanting to give their son or daughter the wedding of their dreams, our bad credit wedding loans can help. Bad credit shouldn't spoil the wedding party.

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Dental funding

There's nothing worse than needing urgent dental work and not having the available funding. If you need to pay the dentist for essential or aesthetic dental work, it's time to apply for a bad credit loan.

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Renovation loans

When you home needs some sprucing up, having the banks not lending you much-needed finance can put a spanner in the works. A bad credit renovation loan can give you the means to give your home a makeover.

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Loans for furniture

If you've just moved into a new place or want to update dated furniture, but the banks say no, why not consider a bad credit loan to make your home furnishings more comfortable and beautiful.

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White goods loans

Bad credit shouldn't stop you from getting a new washing machine, dryer, dishwasher or cooker. Our bad credit loans offer finance so you can be the domestic god or goddess you deserve to be.

Why choose Bad Credit Loans?

With our competitive rates and tailored service, we’ve helped thousands of Aussies get the funding they deserve. 
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Speedy approval

Are you in need of quick funding? You have come to the right place! Our loan experts can quickly assess your loan application and get you approved. Funding is possible within as little as 24 hours of approval.

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Simple loans & paperwork

Don’t have the documentation needed to get funding? Keep it simple with our low doc bad credit loans. Minimal documentation is necessary to get your loan approved.

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We can say "yes"

When other lenders may say "no", we can often say "yes". Our specialist bad credit loan consultants work to find a pathway to bad credit loan approval.

Competitive rates for people with bad credit

Too often life throws a curve ball your way and it may seem easier to lean on your credit cards. Unfortunately, a credit card in Australia usually sits at around a 15-20% interest rate. This can get expensive if it is not paid off quickly. Before you know it, your credit card debt has spiralled out of control. This will affect your credit report as your creditworthiness many be impacted. Lenders will be able to see your negative listing which reduces your chance of loan approval. 

Bad Credit Loans understands that the traditional way of borrowing for emergency funds can be difficult, especially if you are one of many bad credit record holders in Australia. That’s why we offer a range of bad credit loans at competitive and flexible pricing. Whether is a bad credit car loan, no credit check loan or business loan, we’ve got a variety of loans to suit a variety of situations. We’ll find the best solution for all of your cash needs, regardless of bad credit history, to suit your current financial situation.

Our bad credit loans have rates that are adjusted to your situation and offer a much more suitable funding option with a manageable interest rate.

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We’re here to answer your questions

Bad credit is a term that represents your credit file situation. If you have poor credit, it is likely that your credit file is being negatively impacted by defaults, court judgments or credit inquires. Lenders have access to your credit file, and can use this information to determine whether or not you are eligible for finance. Traditional lenders may be less likely to approve your loan application, as they consider bad credit borrowers as high risk applicants.

Are you finding it difficult to secure finance? Have you applied more more than one loan and been declined each time? Was that loan rejected from a bank or credit union? 

Chances are that you have a bad credit score which is impacting your ability to get finance. If you’re unsure of what is in your credit file, it may be time to check your credit score. Get your credit report from a credit reporting bureau such as Equifax. This will take you a few minutes to fill out some information. Once you have accessed your credit file, you can see you credit score. if you would like to get a better understanding of whats in your credit file, feel free to contact the bad credit loans team. We’ll help you understand your credit score. 

For more information on identifying your credit score check out this useful article.  

We’re all human. Humans make mistakes and sometimes all that it takes to drive your score down is a slip-up. We understand that life is full of unexpected surprises, and for that reason, we don’t assess you based solely upon your credit history. Our goal is to make sure that you’re given, every chance of financial success.

In saying so, it is important to understand some of the key factors that can lead you to a bad credit score

  • Late or missed payment
  • Default on a loan
  • Credit card debt that has accrued beyond the repayment date
  • Bankruptcy

No. Bad credit does not last forever. Whilst it can take several years to repair your credit score, you must start by adopting healthy financial habits. Paying bills on time and budgeting will help you to start taking control of your finances. 

Our criteria is simple. If you would like to apply for a bad credit loan you must:

  • Be over 18 years of age
  • Have a regular income
  • Provide Identification.

Yes, applicants who are on Centrelink benefits can apply for one of our many bad credit loans. Centrelink benefits do not limit your chance at finance. As long as you have the means to pay off the loan, we can find a product to suit your needs.

Yes. Each time you apply for a loan, a hard enquiry may be placed on your credit file. If you enquire for multiple loans over a short amount of time, it may be even harder to secure finance. Lenders can see all the enquiries as they are visible on your credit file. 

For this reason, it is important to check your credit score before you are thinking about applying for finance.

Fortunately there are ways to repair your credit file of incorrectly placed listings, defaults, court judgements and black marks and there are reputable companies that do this. Clean Credit Pty Ltd is a highly respected and reviewed credit repair company that specialises in credit repair and can help when you have exhausted your finance possibilities. 

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