Bad Credit Loans

Get the loan you want, no matter your financial situation

Credit and lending is a vital part of the financial world. It builds businesses, kick-starts economies and strengthens nations. Financial loans help people do great things.

No matter what your goals are, being denied a loan is a frustrating experience. If you aren’t getting the response you desire, there are still many options at your disposal.

The team at Loans for People with Bad Credit are experts at giving people their own financial freedom. If you have a bad credit rating, or would like to investigate your loan options, contact us today.

Why you should get a bad credit loan

Bad credit loans are special finance options for people with a bad credit history. Bad credit loans are fair, equitable and easy to repay.

Whether it’s for your business or yourself, bad credit loans can improve your quality of life. Here are some of the reasons you might consider a bad credit loan:

Where you can get a bad credit loan

You can apply for a bad credit loan in any major capital city:

  • Sydney
  • Melbourne
  • Brisbane
  • Perth
  • Adelaide

How to get a bad credit loan

If you seek a bad credit loan, consider the following before you apply:

  • Honesty first. Answer all financial questions with detailed, accurate information.
  • Stop applying everywhere. Every loan application you make, successful or unsuccessful, is stored on your credit file. Lenders can use this information to deny you loans.
  • Start a budget. Understand exactly how much you can afford to borrow and repay by making a monthly budget.
  • Talk to an professional. The team at Loans for People with Bad Credit are experts at finding the perfect loan for any financial situation.

Our Lenders

  • Adelaide Bank
  • AMP
  • ANZ
  • Australian First Mortgage
  • BankSA
  • Bankwest
  • Capital Finance
  • Citibank
  • Commonwealth Bank of Australia
  • Esana
  • Finance One
  • Finloan
  • GE Money
  • Heritage Bank
  • Home Loans Limited
  • ING
  • Liberty Financial
  • Latrobe Financial
  • Westpac
  • Yamaha Finance
  • Macquarie
  • Money3
  • Morris Finance Limited
  • Homeside
  • NAB
  • Rock
  • Scottish Pacific
  • Saint George
  • Suncorp
  • Swann Insurance


What is a bad credit loan?

A bad credit loan is a personal loan for people with a bad credit rating. It can be used for any number of reasons and is tailored to fit the circumstances of any person in financial difficulty.

Who can get a bad credit loan?

Any Australian citizen over the age of 18. These personal loans are not just for those affected by poor credit. They can also be for people with a good financial history or no credit history at all.

Can I get a bad credit loan with no payment down?

Yes. Some lenders offer a bad credit loan with No Payment Down. Not paying an amount upfront can affect the interest rates, repayment schedule and term of the loan.