Bad credit personal loans

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

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No impact on your credit rating - Obligation free

At Bad Credit Loans, we understand that your finances can get messy. Our experienced team are aware that most Australians have debts they need to repay while trying to make ends meet. Our bad credit personal loans 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.

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Competitive interest rates

We’re not a traditional bank which is why we can offer bad credit personal loans.

fast bad credit loan application

Fast application

Your entire bad credit personal loans application process will feel like a walk in the park.

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Personalised service

Our bad credit personal loans are all about you and helping you get finance.

Benefits of bad credit personal loans

debt consolidation bad credit loans

Debt consolidation

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

Less interest than credit cards

If you are not paying the credit account off within the zero interest time period, the interest will pile up. In the long run, a personal loan with bad credit may end up being cheaper as you are not charged the high credit card interest rates.

Build your credit file

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

Fast loan approval

Receive funds within as little as 24 hours of approval. Our goal is to get much-needed funds to you quickly.

bad credit loan specialists

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

Bad Credit Loans FAQs

A bad credit loan or loan for bad credit is a personal loan that is offered to someone who has a bad credit history. A 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. Bad credit personal loans can come to the party when the banks say no.

Have you applied for a personal loan from a traditional bank? Were you rejected on the basis of a low credit score?

The first step to assessing your credit score is to request a credit check. You can check your credit file online; or request one from Bad Credit Loans. If your credit report history is quite low; it could be due to a number or reasons.

Missed payments, forgetting credit card repayments may lead to defaults which can lower your score. This will affect your ability to secure finance. Learn how to check your credit score.

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

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

  1. Enquire online, it only takes 3 minutes.

  2. Our loan specialists get to know you. We create a tailored, bad credit personal loan based upon your financial situation.

  3. Accept the loan. 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 bad credit loans.

 

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.