Great communication take the time to explain things and make sure you understand everything every step of the way
Boost your approval chances and lock in favourable interest rates with a Bad Credit Loan.
Boost your approval chances and lock in favourable interest rates with a Bad Credit Loan.
Have you been turned down because of your bad credit score?
With over 30 years of experience, we have access to some of the best bad credit options across Australia.
Avoid overpaying – Take advantage of the best interest rates available to you.
Avoid waiting – Files are assessed in real time – expect a result within 24 hours.
Avoid hassle – Apply online in under 5 minutes with minimal documentation.
A bad credit personal loan can help you consolidate debt, cover medical expenses, pay for holidays, and more. Accessing funds when other lenders have turned you down can be a game-changer.
Your business shouldn’t suffer just because you have a poor credit score. Access funds to cover overheads, start-up costs, cashflow problems and more with a bad credit business loan.
Sometimes, waiting for a new car isn’t an option. A bad credit car loan can help you get behind the wheel sooner, without letting past financial challenges hold you back.
Low doc loans offer a streamlined borrowing process with minimal documentation. Ideal for self-employed individuals or those with irregular income.
No credit check loans provide quick financial support without scrutinising your credit history. Your credit score is not checked & an enquiry isn’t listed on your credit file.
A small loan with bad credit could help you get by when in need of a little extra cash.
We’re rated excellent on Trustpilot. Find out why and read more reviews here.
Had an excellent experience with Bad Credit Loans! Keanue was highly professional, knowledgeable, and guided me through the process smoothly. They made everything easy and stress-free, ensuring I got the best option available. Highly recommend their service to anyone in need of financial assistance.
Keanu is a very helpful person and deserves a promotion ! He gets the job done and very respectful
Keanue was incredibly flexible with contact as I work full and unpredictable hours. He was extremely helpful and judgement-free which made my experience even better. Legend!
Hi, pat i saw all reviews and I think I’ll solve my problem with you I hope
I got the way to breathe when I saw your reviews I got my life is back now
Help me with my bad situations
Thanks
Keanu was very understanding of my situation and helped me feel at ease. As he was explaining everything to me, I was reassured that it’ll help me in the long run. I had given him scenarios about things and was able to give me truthful solutions.
Keanue was awesome. Went beyond to help me out, was the best. Thanks Keanue
Very helpful with information and made me feel better about my debts
Extremely Helpful. Explain the whole Process clearly and approached in a friendly manner.
I recently had the pleasure of speaking with Keanue, regarding my debt issue, and I couldn’t be more impressed with the level of service I received. From the moment we began our conversation, it was clear that this representative genuinely cared about my situation and was committed to helping me find a solution.
He was incredibly attentive to my needs, patiently listening to my concerns and taking the time to fully understand my financial difficulties. What stood out the most was his professionalism; he approached the entire conversation with a calm, reassuring demeanor that immediately put me at ease.
He explained every detail of my debt situation and the options available to me in a clear, understandable way. Rather than using jargon or complicated terminology, he broke everything down into manageable steps, ensuring I felt empowered to make informed decisions. His approach was not only informative but also empathetic, showing a sincere desire to help me improve my financial situation.
What truly made the experience memorable was his genuine sincerity. It was evident that he wasn’t just going through the motions; he truly cared about finding a solution that would work for me. He made sure to follow up on any questions I had and gave me peace of mind throughout the process.
Overall, the customer service I received exceeded my expectations, and I now feel more confident in taking the next steps to resolve my debt. Keanue professionalism, attentiveness, and empathy made a significant difference, and I am truly grateful for the support he provided.
Keanue was very helpful and was committed to helping me with my current situation that I was in. He was very understanding and explained everything clearly.
Keanue & Tom thank you so much for your help honestly took a lot of burdens off my shoulders
Very clear in explaining the processes and costs associated and very friendly
I am incredibly grateful for Keanu’s help and friendliness from the very beginning. Being in such a stressful situation can be overwhelming, and having someone who genuinely listens and is eager to assist in any way is truly invaluable. Thank you so much for your support!
My experience was made great by Keanue as he was very kind, understanding & succinct. He was very easy to understand & speak with.
Keanue was so helpful even though I was very wary about going through this process but he made it all make sense even for a dummie like myself
Thanks again mate
Keanue was a breeze to talk to. He was incredibly patient, (especially with the back and forth emails and missed calls) and was completely transparent throughout our interaction. Keanue also helped ease my mind with all my debts and provided a solution. He’s also very prompt with replies and was overall helpful. Thank you!
Very understanding, Keanue was able to assist in working out the best plan, while being very professional and helpful.
Keanue was so helpful and polite. I did not feel judged and he made the process so easy. Definitely recommend!
Keanue was most understanding, supportive, found me another alternative to control my finances. Easy to talk to.
I am so glad that I reached out
Pat was a genuinely nice and cooperative person to talk to and helped me to understand my options
My experience was great. This was the first time I’ve heard of this service and Pat explained everything very well. I was able to understand what was offered and am very appreciative of Pat’s assistance yesterday. Pat’s service skills the other day was very outstanding. Thank you for your help!!
Keanu really explained things well and made a normally embarrassing phone call quite pleasant and now I’m more at ease with my situation
Keanu did a great job outlining things in a clear and professional manner
I have been dealing with Keanue. He’s extremely good at his position, not making me feel embarrassed about my financial situation, is professional but also very friendly. Gave me all the info I needed to understand my options & didn’t sugarcoat a thing. Very trustworthy.
This guy is something else
Friendly to deal with not trying to sell u something at all instead he genuinely wanted to assist me for my own good
Champions
Keanue was very helpful with all the information provided and made sure I know everything that will happen, explained everything in detail where he could
The consultant reviewed my debt situation I was in and provided me with a solution to alleviate my financial debt issue. This very helpful advice allowed me see again possibilities and a way to release from debt troubles. The consultant was professional, helpful, respectful and understanding which really helped me to provide all the information to assist me with my financial debt issues.
Very helpful very understanding explained everything clear and done his absaloute best to help me and gave me great advice and was very patient with me just a pleasure to deal with all round thank you 😊
Pat was very polite and explained all details in an easy to understand manner. Felt like I was not being judged during the call and was happy with the overall experience.
Very Good communication, Understanding , great humour! , Clear and straight forward.
Grady was a pleasure to talk with he took down all my details and was very understanding and patient.. he also answered all the questions and returned all my calls within minutes
Thank you Grady
I spoke with Keanue this afternoon who helped me through the process of organising my debt and giving me an option to start my journey to being debt free. I am SO grateful for his customer service and reassurance throughout our conversation – it made me feel very comfortable discussing a topic that can often be quite awkward and sometimes embarrassing.
Keanue was an Awesome agent that dedicate the time to understand my situation and provide me with amazing solutions, well speak, decent and patient. Really appreciate it.
I spoke to Grady, who not only was helpful, caring & very empathetic towards my current situation, he also explained everything in a way that I could easily understand. I honestly thought there was no way out of my situation but now, I know I have a team that can negotiate on my behalf & I’ll be able to consolidate everything into one payment, taking the constant stress & worry away so I can focus on the things that really matter. If you are in the same situation, reach out & have a chat, they may be able to help you. Absolutely recommend ⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Keanue made me feel so comfortable. Very professional and easy to speak to. Non judgemental and great listener.
Amazing customer service from Keanue, very friendly , helpful and a very informative person. Would definitely recommend. Brilliant 👍🏽
I spoke with Keanue and felt very comfortable and respected throughout our conversation. At no point was I made to feel anything but help was available.
Pat was fantastic, he made me feel more than I thought of myself, he helped explain everything that I needed to know, he treated me and my situation with the utmost respect, if I could give 10 stars 🌟 I would have. Thank you
Chloe was great, communication and fast response to help find the best deal for me.
Cannot fault Chloe and Tom for all their help. Exceptional customer service and a pleasure to deal with.
Chloe at Bad Credit Loans was super helpful in assisting me today. She went above and beyond to provide excellent service and made the process smooth and stress-free. Chloe’s expertise and friendly demeanor made me feel comfortable. Overall, I had a great experience. Thanks Chloe
Margarita Demetriou was exceptionally understanding and made things very clear
She made me feel less embarrassed about my situation
Great support
Was thorough clear and amazing, made a nerve racking experience very easy
I spoke to pat. He was extremely helpful.
my finances feel so much more aligned now that he’s spoken to me about the process of things. He did not miss one bit of information out. And made sure that everything we have spoken about is taken on board. Highly recommend pat! Thankyou so much
That so rove is willing to give me a go even though my credit file is not the best, I didn’t felt judge by the experience Chloe W was easy to talk to and she’s done all she could to help me out whether it comes through or not I’ll be forever thank you to her for taking the time.
Chloe was amazing – friendly, personable, non-judgemental, was across everything, made me feel comfortable and was honest with me. I literally have never had a better phone experience with any company or agent for these issues.
Had the pleasure of having Chloe helping me out today it felt like Chloe was prepared to go above and beyond only regret I had was not consulting with her in person I would have loved to seen her beautiful smile. You’re a gem Chloe I wish I had wine and flowers to give you to show my gratitude thank you. And no I don’t like to generally leave reviews
Thank so much Isabel for your great service today your company is very fortunate to have you working for them. You have given me and my family a little glimpse of hope to have a wedding to bring some much needed joy and happiness. But you have also provided us with confidence to look forward to working with your organisation to start our journey to a debt free life.
Please make sure you provide this customer feedback to your managers and you should be recognised for such outstanding, exceptional, very professional and one bloody brilliant customer service experience I have had in a very long time.
Your listening, reconfirming and providing solution techniques are hard to come back these days.
Your tone just made me smile and having a chat to you on the phone. Your service today has restored my faith that there are still people out there in the field (customer service) that are genuine, caring professional customer focused in proving exceptional customer experiences.
So thank you so much again and you be very proud of yourself! I think your bosses need to give you early finish or a free lunch for all your efforts.
This is one wonderful customer service experience I will remember in a very long time.
Appreciate your service.
Kind regards,
Jill and Po.
A bad credit loan is very similar to any other kind of loan, although there are some small differences:
If you’ve been denied a loan or want to avoid a credit check, a bad credit loan could be a quick and reliable way to get the cash you need.
Applying is simple. The process requires only basic information and minimal documentation. If successful, we could find a solution for you within as little as 24 hours! Click here to start.
Our online application form is quick and easy to use. Within 5 minutes your application could be submitted and in the hands of an expert.
Our online application form is quick and easy to use. Within 5 minutes your application could be submitted and in the hands of an expert.
Bad credit is a term that represents a negative credit history. If you have poor credit, it is likely that your credit file is being negatively impacted by defaults, court judgments and/or credit enquires.
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.
We’re all human. Humans make mistakes and sometimes all that it takes to drive your score down is a slip-up or an unexpected bill that comes at the wrong time.
In saying so, it is important to understand some of the key factors that can lead to a bad credit score:
Have you got a limited credit history? Have you made some borrowing mistakes in the past? Are you finding it difficult to secure finance?
Chances are that you have a bad credit score. If you’re unsure of what your credit score is, then it may be time to check. The good news is that this can be done within minutes online.
For a more substantial breakdown of your entire credit report, then you may want to visit a credit reporting bureau such as Experian. This can also be done online, but is only free one every 3 months.
A bad credit loan is designed for people with a poor or limited credit history. Lenders typically perceive these borrowers to pose a higher risk and therefore bad credit loans usually come with higher interest rates and stricter repayment terms than standard loans.
How It Works:
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.
Time itself will improve bad credit, however time isn’t an overnight solution:
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 an example of a respected and reviewed credit repair company that could help when you have exhausted your finance possibilities.
Avoiding bad credit means managing your finances wisely so that your credit score stays healthy. Here’s how you can do it:
Our criteria is simple. If you would like to apply for a bad credit loan you must:
Yes, applicants who are on Centrelink benefits can apply for a bad credit loan. Centrelink benefits do not limit your chance at finance. As long as you have the means to pay off the loan, we could help to find a product to suit your needs.
Our application form itself won’t cause any further damage to your credit score, however, we can’t speak for other lenders. Applying elsewhere or being referred to another lender could result in a hard credit check.
For this reason, it’s important to be careful who you apply with and to always read the fine print.
Whether a family home or an investment property, when the time comes to sell, it’s important to know how to maximise the sale price of your house. Learn here.
Whether a family home or an investment property, when the time comes to sell, it’s important to know how to maximise the sale price of your house. Learn here.
Whether a family home or an investment property, when the time comes to sell, it’s important to know how to maximise the sale price of your house. Learn here.
With over 30 years of financial expertise, Bad Credit Loans has helped thousands of Aussies to secure finance despite having a a bad credit history.
In times of need, a bad credit loan can help you see the light at the end of the tunnel.
