Want a bad credit loan that’s good for you?

Quick bad credit cash loans that can give your credit history a boost.

  • Advice. Learn how to fix your credit rating.
  • Flexible. Borrow up to $10,000, quickly.
  • Benefits. Enjoy great rates and rewards.

How Much?

$500 $10,000

How Long?

6 months 36 months

Interest rate

19.9%

Min weekly repayment

$72.48

Comparison rate from p.a.

44.2%

Total repayment

$3,766

How it works

With no early payout fees, our short term loans are perfect if you need a quick cash stopgap. And because our low interest rates are personalised, they’re highly competitive, whatever your credit rating.

Apply in Minutes

Choose your $500-$10,000 loan and apply online.

Get a Decision

We'll contact you, verify your details and give you an answer.

Receive your funds

Sign your contract and receive your funds overnight.

How can we help you?

Below you’ll find answers to the most frequently asked bad credit loan questions

Apply Online

Secure your bad credit cash loan the right way.

As one of Australia’s largest non-bank personal loan lenders, we pride ourselves on providing quick cash loans responsibly. That’s really important if you have a less than ideal credit history and you’re looking at bad credit loans.

For us, it’s personal. We take the time to understand your circumstances and the reasons behind your bad credit score. It means we can make sure you’re comfortable with the repayments, securing the most competitive rate we can, so we’re minimising your borrowing costs.

That’s how we’ll help you improve your credit score and go from a dubious credit history to a bright financial future – by ensuring you get the cash loan you need and a fair go.

Small Amount Loans

 

Loan Amounts

$500 – $2,000

 

Average Term

5 Months

 

Typical Establishment Fee

10% – 20%

 

Monthly Fee

2% – 4% of Principal

 

Interest Rate Per Annum

0%

 

Comparison Rate

N/A

$500 repayment example

 

Average Term

3 – 6 months

 

Repayment Per Week*

$24 up to $52

 

Establishment Fee

$50 – $100

 

Monthly Fee

$10 – $20

 

Interest Rate Per Annum

0%

 

Comparison Rate

N/A

Medium Amount Loans

 

Loan Amounts

$2,250 – $5,000

 

Average Term

8 Months

 

Typical Establishment Fee

$360 – $695

 

Monthly Fee

$5

 

Interest Rate Per Annum

17.9% – 29.9%

 

Comparison Rate

36.64% – 53.12%

$2250 repayment example

 

Average Term

3 – 18 months

 

Repayment Per Week*

$39 up to $220

 

Establishment Fee

$360 – $460

 

Monthly Fee

$5

 

Interest Rate Per Annum

17.9% – 29.9%

 

Comparison Rate

36.64% – 53.12%

*Repayments per week depend on affordability.

Minimum loan term 3 months. Maximum loan term 12 months. For our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above this amount maximum APR is 48%.

How easy is it to get a bad credit loan?

Very easy. You can apply online in minutes. And assuming your application is successful, we’ll transfer your cash loan within 24-48 hours. Alternatively, if you’re not sure you’re eligible for a bad credit loan, get in touch and we’ll advise you. No obligation. No judgement.

Apply Now!

Are you eligible to apply?

  • I’m 18 years or older
  • I’m employed (not self-employed)
  • I’m paid $500 or more a week into my bank account
  • My income is not solely from Centrelink
  • I’ve not entered into bankruptcy or part 9 agreement within the last 12 months

WARNING - DO YOU REALLY NEED A LOAN TODAY?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.

Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.
https://www.humanservices.gov.au/individuals/online-help/centrelink/apply-advance-payment-your-centrelink-online-account

The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.