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Need a Loan but Have Bad Credit? You’re Not Out of Options

We help everyday Aussies get matched with fair, flexible bad credit loans from real lenders - even if your score’s seen better days.

$5,000
$2,500 $100,000

Apply online in minutes.
Fast, no hidden fees.
No impact on your credit score.

Loans for Aussies whose credit history isn't the whole story

A few missed payments, a default that’s still on your file, a tough patch in the past: none of it should mean you’re locked out of finance for good. Our brokers work with lenders who look at your full situation, not just your credit score: your income, your stability, your ability to repay today. 

We compare bad credit loan options across our lender panel and arrange finance from start to finish. No fees from us, we’re paid by the lender. Approval isn’t guaranteed (responsible lending rules under the NCCP Act mean lenders still need to confirm the loan is suitable and affordable), but a less-than perfect credit file alone isn’t the deal-breaker the big banks treat it as.

Beyond the score

Lenders assess your full situation, not just your credit history.

Borrow from $2,500

Range and structure depend on your circumstances and ability to repay.

Secured or unsecured

Putting up an asset can unlock better rates and higher limits.

Flexible repayments

Weekly, fortnightly or monthly, with no penalties for paying out early.

Responsible lending

Every panel lender follows NCCP rules. Your loan must be suitable for you.

No broker fees

Our service costs you nothing. We're paid by the lender, not by you.

Ready to apply?

It's fast, free, and won't affect your credit score.

Apply Now

Get Approved in 3 Simple Steps

Apply online

1. Apply online

Find the loan type that fits your needs - then complete our easy online application form to get started.

We match a lender

2. We source a lender

We partner with multiple lenders, giving you access to loan solutions you won’t always find at the big banks.

get loan approved

3. You get approved!

If you’re eligible, loan approval, signing & funding can happen really fast. Some loan types can take a little longer to approve.

Let’s find the right loan for you! It’s fast, free, and won’t affect your credit score.

Apply Now

Eligibility Criteria

Verify Age & Address

You must be 18 or over and able to verify your residentialaddress.

Australian Residency

You must be an Australian citizen, permanent resident, orhold a valid visa.

Verify Your Income

You’ll need to show a regularincome from work, self- employment, or eligibleCentrelink payments.

Banking & Credit History

You’ll need an active bank account and lenders may review your credit history as part of theirassessment.

We follow responsible lending rules under the NCCP, so lenders check that any loan is suitable and affordable for you. We’re also an AFCA member, so you have access to independent dispute resolution if needed. To apply, you’ll usually need to be 18 or over, live in Australia, have an active bank account, and show regular income. Each lender has its own criteria, and final approval depends on their assessment of your circumstances.

Our Lender Panel

Personal Loan Types & Examples

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Small Loans

Loan Amount
$500 - $2,000

Loan Term
3-12 months

Maximum Charges
20% Establishment Fee, 4% Monthly Fee.

Loan Example

A $1,000 over 3 months repayable weekly.
$1,000 (Principal Amount) + $200 (20% Establishment Fee) + $120 (fees based on 4% per month over 12 weeks) = $1,320 total loan repayable that is in 12 weekly instalments of $110.

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Medium Loans

Loan Amount
$2,001 - $5,000

Loan Term
12-24 months

Maximum Charges
Up to 48% interest rate. Establishment Fee $400.

Loan Example

A $3,000 loan over 12 months in 52 weekly payments. $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,339.40 (interest on reducing balance) = $4,339.40 total repayable over 12 months in weekly instalments of $83.45

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Large Loans

Loan Amount
$5,001 - $100,000

Loan Term
12-84 months

Maximum Charges
Up to 48% interest rate.
Fees vary.

Loan Example

$20,000 borrowed over 60 months repayable weekly. $20,000 (Principle Amount) + $4,904.62 (reducing interest) = $24,904.62 total repayable over 60 months in weekly instalments of $95.42. Interest / comparison rate 8.95% PA.

This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. The information on this web page is general information. The information does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to the individual borrower’s credit assessment. Examples only provide an estimate and are used for illustrative purposes only, not an offer for credit. The amount you can borrow, the interest rate and fees you receive along the product you qualify for may vary.

Frequently Asked Questions

Still have questions? We’re here to help. Contact our team anytime.