Discover bad credit personal loans

Lose the stress of bad credit. Get your life back.

No impact on your credit rating - Obligation free

We understand that your finances can get messy, which is where bad credit personal loans can help. Our experienced team are aware that most Australians have debts they need to repay while trying to make ends meet. Our unique financial solutions are here to help you get the ball rolling again.

With bad credit, it’s difficult to get the right financial assistance, making things hard for you and your loved ones. But we are here for you. 

Hassle-free bad credit personal loans

Flexible options for bad credit

Flexible options

We tailor bad credit personal loans to suit your exact needs, with a loan term to suit.

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Competitive interest rates

We’re not a traditional bank which is why we can offer lows suitable for thos with poor credit

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Fast application

Our simple finance application process is designed to make applying less stressful than traditional bank loan applications.

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Personalised service

Our specially tailored loan products are about helping you find the best financial product for your needs.

Benefits of bad credit personal loans

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Debt consolidation

Are your stuck paying off multiple credit cards? Is your debt spiralling out of control? Bad credit personal finance can help you consolidate your debt into one neat and tidy package that is more manageable.

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Less interest than credit cards

If you are not paying the credit account off within the zero interest time period, most cards charge high interest. Without credit card fees and charges, a personal loan may end up lower cost, as you are not charged a higher interest rate.

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Build your credit file

Use your funds to pay off any existing debt and get you back on track. Seek out credit repair specialists to help you remove any issues.

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Fast approval

Receive funds within as little as 24 hours of approval. Our goal is to get much-needed funds into your bank account as soon as possible.

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Bad credit finance specialists

Bad Credit Loans Australia has helped thousands of Australians find personal and business solutions. Our team is specially trained in this area of financial service.

tailored customer service

Tailored customer service

Our bad credit personal loans specialists will quickly understand your financial situation. Our primary goal is to find the personal finance to suit your specific needs, regardless of a poor credit history.

Bad Credit Loans FAQs

A loan for bad credit is personal finance that is offered to someone who has a bad credit history. This situation may arise due to a default, court judgement or black mark placed on your file. Other factors may include multiple finance applications or bankruptcy. Bad credit personal loans can come to the party when the banks say no.

Have you applied for finance from a traditional bank and were you rejected on the basis of a low score?

The first step to assessing your score is to request a credit check. You can check your credit file online; or request help from us. If your history is not high; it could be due to a number or reasons such as missed payments, forgetting credit card repayments , which may lead to defaults. These can all lower your score. This will affect your ability to secure finance. 

A bad credit loan or loan for bad credit is a personal loan that is offered to someone who has a bad credit history. Bad credit history may arise due to a default, court judgement or black mark placed on your credit file. Other factors may include multiple loan applications or bankruptcy.

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, we don’t.

A payday loan is a type of short-term borrowing where the creditor extends very high interest finance. A payday loan’s principal is typically a portion of a borrower’s next pay cheque. Payday loans charge high-interest rates and are definitely only for extreme short term needs. 

There are other alternatives that this type of loan, such as talking to your creditor (e.g. energy provider) and applying for hardship assistance. You can also talk to a financial counsellor about how to move forward when you get into financial trouble.

While we have finance options for people with poor credit histories, we are also advocates of responsible lending.

More information on Payday Loans

Bad credit loans make it easy to apply for a personal loan.

  1. Enquire online, it only takes 3 minutes.

  2. Our finance specialists get to know you. We create tailored,  personal finance based upon your current and future situation.

  3. Accept the finance offer. Access the funds within your nominated account.

If you have been discharged from bankruptcy and have a clean financial record for over 18 months, then you can apply with us.


Yes. There are certain restrictions. Ask your Bad Credit Loans specialist loan consultant for more details.

When you have bad credit, it’s true that most banks and traditional money lenders either hesitate to give you funding or reject your application altogether.

And even if they decide to approve your loan, they often increase the interest rate and add more terms and conditions to your loan because of your bad credit rating.