One size doesn't fit all
Every household is different, so we offer a wide range of loan products
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We offer solutions when the banks can't
Our criteria is less strict than the baks, so we can say "yes" more often.
How can we help?
Don't take "no" for an answer
A bad credit history shouldn't ruin your life and we have loans to suit.
We find solutions

Bad Credit History?


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No impact on your credit file

If you have been declined in the past or have unpaid debts and late payments on your credit file, you may need a bad credit loan. The Australian Lending Centre has friendly staff ready to help you find a tailored solution to get you back on the right financial track. To speak with one of our friendly consultants call 1300 138 188 or Enquire Online.

banks refused your loan application?

This happens but doesn’t close off your loan options. We specialise in helping people with bad credit loans. The first thing we will do is look at your overall personal and financial positions. From there we will discuss all the options available and together we will select the most appropriate product. Normally, this loan application process takes no more than 10 minutes and you receive your answer often in less than 48 hours. In the majority of cases we can help when the banks won’t. Application with Australian Lending Centre is fast and easy and won’t impact your credit score in any way.

Australian Lending Centre have helped thousands of Australians to secure their bad credit loans every year. As bad credit experts for over 30 years, Australian Lending Centre knows how to help you.

Trouble making repayments and afraid of asking for another loan?
Trouble making repayments and afraid of asking for another loan?

Struggling to make repayments and Scared To Ask for another loan?

Don’t let refusals stop you from achieving your goals. At the Australian Lending Centre, we still welcome you, even with a high amount due on your loans. Our goal is to work with you to find a solution. Our fees don’t skyrocket because you have default payments. All you need is a form of employment, income and a bank account to apply for our personal loans. Even if you have a bad credit history or low credit score, we understand everyone’s position is different and caused by a number of factors. Therefore, we take each application for finance on a case by case situation. ALC tailors each loan to your unique needs.

What are your loan options?

If you have bad credit history, a good thing to know is that having equity is not essential for getting a loan. In fact, the two classic personal loan options are: personal loan secured with your equity; or unsecured personal loan. In both case, we offer flexible repayment terms, competitive rates and personalised service and information. The approval of a personal loan could be given in less than 3 days and your specialist loan consultant will secure you the right rate, payment and terms to help you get the most out of your new loan.

What are your loan options?

Learn About Bad Credit History