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Is bad credit holding you back? 

Take control of your finances with a bad credit loan

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

        
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Loans for people with bad credit

Struggling to secure finance? 

 Apply for a loan with a team that understands bad credit situations. We have dedicated over 20 years assisting bad credit applicants across Australia. Our goal is to help you secure the right finance option. 

At Bad Credit Loans we understand that time is important to you, and our friendly team work quickly to go through your loan application form. 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 personal loans for people with bad credit today.

Bad Credit Loans Australia

At Bad Credit Loans we understand that time is important to you, and our friendly team work quickly to go through your loan application form. 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 personal loans for people with bad credit today.
A bad credit personal loan can help when you are looking to fund your personal life. 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. Apply for bad credit finance today!

Bad Credit Personal Loans

A bad credit personal loan can help when you are looking to fund your personal life. 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. Apply for bad credit finance today!
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 just because you have bad credit.

Bad Credit 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 just because you have bad credit.

Why choose Bad Credit Loans?

We’ll understand your situation quickly

We’ll understand your situation quickly

We’ll give you the right advice

We’ll give you the right advice

We'll offer a competitive and flexible loan

We'll offer a competitive and flexible loan

We'll support your financial journey every step of the way

We'll support your financial journey every step of the way

What our clients say

  • Lisa M Sydney NSW

    Lisa M Sydney NSW

    “With their help, I was able to get my finances back on track and my credit back to good. They had an easy application and were fast at getting me the approval I needed. They believed in me when I didn’t even believe in myself.”
  • Jonathan S Perth, WA

    Jonathan S Perth, WA

    “I made financial mistakes that lead me down the path of bad credit, but the team did not judge me on my past. They saw the potential of my future and helped me achieve good credit again. I can’t thank them enough.”
  • Megan, Ellie, Shawn – Melbourne

    Megan, Ellie, Shawn – Melbourne

    “Being a single mother of two is hard. Being a single mother of two is even harder when you don’t have excellent credit and need a small loan for school supplies. The team at was not only great to me, but made me feel important and cared for.”
  • Brad – NSW, Australia

    Brad – NSW, Australia

    “These guys were a life saver! Fast and easy. Five stars! Can’t thank them enough!!!!!!”
  • Jonathan – Brisbane, QLD

    Jonathan – Brisbane, QLD

    “No judging on my past credit history. They were able to approve me over the phone and were so helpful and kind.”
  • Michael & Family – Wollongong, NSW

    Michael & Family – Wollongong, NSW

    “I was struggling to ends meet for my family. They helped me with a small personal loan that saved my family from being on the streets. They saved our lives. I owe them more than just this thank you.”
  • Kirk – Fremantle, WA

    Kirk – Fremantle, WA

    “I didn’t think I’d be able to get a loan, but the team helped me understand what options I had and gave me the information I needed to make a decision on what to do.”
  • Daniela A – QUEENSLAND

    Daniela A – QUEENSLAND

    “Initially, they couldn’t help me with the defaults I had on my credit file. Once I was able to get the defaults removed, they were able to step up to the plate and help me with a loan. They gave me another chance at getting my life back together.”
  • Olivia – Canberra, ACT

    Olivia – Canberra, ACT

    “When they say fast approvals and easy applications, they are telling the truth. Shelby was there for me all the way. Thanks!”
  • Rene Wilkinson - PERTH

    Rene Wilkinson - PERTH

    “I really want to say thank you to my team. With their help, I was able to get a new lease on life. They are A plus.”

Why is my credit score low?

We believe that bad credit should not stop you from financial freedom

Missed Payment

Missed Payment

Financial Hardship

Financial Hardship

Loan Default

Loan Default

Late Payment

Late Payment

Bad Credit Loans Australia

When you have poor credit or bad credit, a loan can feel out of reach. Many of the banks will turn you down. Each time you apply with a bank, they may check your credit file. This may lower your credit score. A bad credit does not have to leave you emotionally drained.

Nobody likes being declined for money, especially when you need it to cover life’s surprises. The lending guidelines that 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. So unless you repair your credit as quickly as possible, you may never get the funding you need at that precise moment. That’s where we come in. Bad credit loans understand that life is not straightforward. We see people as humans, not credit files.

At Bad Credit Loans, we offer fast and simple access to funding. We take time to understand your situation and find the most suitable way to put you in a better place. We can assist you with personal loans for bad credit to help you fund your life!

Great rate bad credit loans

Too often life throws a curve ball your way and it seems easier to lean on your credit cards. A credit card in Australia usually sits at around a 15-20% interest rate. This can get expensive if not paid off and can get out of control fast. Since it directly affects your credit report, your credit worthiness gets jeopardised whenever you apply for credit because lenders can see your negative listing.

Bad Credit Loans understand that the traditional way of borrowing emergency cash can be difficult if you are one of many bad credit record holders in Australia. Are you looking for bad credit personal loan, bad credit car loans, bad credit home loans, bad credit motorbike loans, bad credit no credit check loans? Look no further! We find you the best solution for all of your cash needs regardless of bad credit history.

Whatever type of bad credit loan you need, we’re here for you! 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. Are you tired of lengthy processes in order to borrow money?

Bad Credit Loans have a free, no-obligation, 30 second online enquiry for our bad credit loans. Get started with an easy and understanding process.

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