Bad Credit Debt Consolidation & Bad Credit Personal Loans
Simply fill in the enquiry form on the right for a FREE ASSESSMENT. You are absolutely under no obligation to accept offers that are presented to you by our expert staff. It’s confidential and there is NO CREDIT CHECK.
Do you feel like you are caught in a bad credit cycle that you just can't break? Are you looking for a bad credit personal loan or a bad credit debt consolidation strategy? At Australian Lending Centre we can help you push past your bad credit history to create a bright financial future. The Australian Lending Centre has over 20 years experience helping people with a bad credit history. We have eased the burden and provided bad credit personal loans and leading bad credit debt consolidation strategies to thousands of Australians with a bad credit rating.
Bad Credit Debt Consolidation Strategies – For Property Owners
There are a number of debt consolidation strategies available to those with a bad credit rating. For those who own property, a simple solution involves refinancing your existing home loan to one with the lowest interest rate available and to use the equity in your home to free up the finance needed to pay off your debts fast.
Bad Credit Debt Consolidation Strategies – For Those without Property
For those with very little equity or assets who are seeking a debt consolidation strategy, you can apply for a bad credit personal loan or use a government initiative known as a debt agreement. A debt agreement helps you to consolidate your unsecured debt, freeze all interest from accruing and stop your creditors from harassing you.
Bad Credit Personal Loans
There are two types of personal loans - secured loans and unsecured loans. Even if you have a bad credit rating, if you have equity in an asset (like your home) that you are willing to place as security against the loan, then you should have no difficulty qualifying for a secured personal loan for debt consolidation. If you have a bad credit rating, you may pay slightly higher interest rates than someone with a good credit rating but you can solve your problems with debt and find some debt relief, making a positive step towards repairing a bad credit history.
The other type of personal loan available is an unsecured personal loan, that is, the loan is not secured against any of your assets (like your home). Unsecured personal loans are based on the strength of your credit history, so if you have a bad credit rating it can be more difficult to have an unsecured personal loan approved.
See our ‘how to fix a bad credit rating' page for more.
Don't despair; bad credit history does not have to impair your future financial situation.
Losing your job, a serious illness or divorce for example, are all often out of your control and have a dramatic impact on your financial situation that may lead to the need for a bad credit personal loan or a debt consolidation strategy to help mend a bad credit history.
Perhaps your unpaid defaults on bills have caught up with you and now you're part of the debt collection process.
If you are experiencing any of the following, we can help you tackle your situation with either a bad credit personal loan or a debt consolidation strategy:
- Debt collection phone calls
- Late payments notices
- Bad credit rating registered
- Paid defaults, unpaid defaults or judgments
- Mortgage in arrears
- Personal loan / credit card arrears
- Past bankruptcy
- Eviction notice
- Sheriffs at the door
- Debt collectors harassing you
We have the experience and the facilities to negotiate on your behalf with creditors, banks, sheriffs and solicitors to stop these harassing phone calls and to get you back on track to financial stability.
Call us now and let us help you get in control of your finances with a bad credit personal loan.
It only takes a few minutes to complete our online enquiry form and one of our friendly staff will contact you shortly to discuss your individual situation with regard to bad credit and how to secure a bad credit personal loan or a debt consolidation strategy to solve any problems. Enquiring online is easy. You don't even need to leave your home for approval.
We provide:
- Free bad credit assistance from our experienced team and all debt consolidation options
- Approval over the phone for bad credit personal loans
- Customer Service Hotline, no matter where you are in Australia.