Is bad credit holding you back?
Take control of your finances with a bad credit loan
Let’s get started!
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.
Bad Credit Loans Australia
Bad Credit Personal Loans
Bad Credit Business Loans
Why choose Bad Credit Loans?
We’ll understand your situation quickly
We’ll give you the right advice
We'll offer a competitive and flexible loan
We'll support your financial journey every step of the way
What our clients say
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“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“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“These guys were a life saver! Fast and easy. Five stars! Can’t thank them enough!!!!!!”
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“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“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“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“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“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
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.