Do you have Bad Credit?

We have a range of loans for people with a poor credit history. We don't judge, we just find the best solution for your needs. If the banks have turned you down, talk to one of our consultants about bad credit loans.

Bad Credit Loans Australia

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No impact on your credit file

No impact on your credit score

We are Bad Credit Loan Specialists

Is your bad credit history getting in the way? You’re not alone. 1 in 5 Australians have a black mark on their credit file giving them a bad credit history and impairing their ability to borrow funds when they need it the most.

Australian Lending Centre understands people with bad credit are not bad people. There are a multitude of reasons for a poor credit history, many of which are no one’s fault, which is why we offer loans with bad credit.

If you have bad credit or have no credit history at all, call 1300 138 188 to speak to one of our loans specialists about a loans for bad credit, for personal loans and business finance. We even have bad credit home loan products. We do not judge our applicants. That’s our commitment to our customers. Even if you have a less than ideal credit score, we are here to help with loans for bad credit.

6 types of bad credit loans

We have loans for all types of bad credit circumstances:

Family happy despite having a bad credit history

A Bad Credit Loan Can Assists You to...

A few late payments, forgetting to pay a parking fine, getting into deep water with Centrelink, or out of control credit card balances could cause banks to reject you for loans with bad credit. With thousands of Australians looking for finance and feeling stuck, Australian Lending Centre bad credit loan specialists work tirelessly to find ways to qualify. Our goal is finding our customer loans for bad credit to get them back on their feet again.

25 years of Bad Credit Loans Australia

With Australian Lending Centre, there’s no need to worry if you have bad credit. The ALC application process is quick and simple and won’t affect your credit rating when you enquire. Australian Lending Centre has 25+ years of experience tailoring bad credit loans for our customers’ specific circumstances. 

We have helped literally thousands of Australians find loans with bad credit and related financial products. Our much valued customers rely on Australian Lending Centre to provide them with quick financial solutions that are the best solution for their challenging bad credit circumstances.

Enjoying life beyond bad credit history

Customer Reviews

How do I apply for A Bad Credit Loan?

The process of applying for loans with bad credit is fast and efficient. Unlike traditional banks, private lenders require less documentation and offer more leniency. As a result, the process from applying to being approved and receiving funding can take a matter of days.

Apply online

It even with bad credit loans it takes less than a minute and won't impact your credit score.

Let's Talk Loans

To qualify for loan with no credit, we need to speak with you on the phone.

Upload documents

To make sure you qualify, we need proof of income and an overview of finances.

Sign your loan offer

Once you are approved for a bad credit loan, you need to sign your contract.

Funds transferred!

You bad credit loans funding can be in your account in as little as 48 - 72 hours from approval!

Bad Credit Loans Australia FAQ's

Our range of loan products include bad credit quick loans, bad credit secured loans, bad credit business loans, unsecured personal loans, secured personal loans for people with bad credit, personal loans with bad credit and many other kinds of bad debt loans.

The process of applying for loans with bad credit is fast and efficient. Unlike traditional banks, private lenders require less documentation and offer more leniency. As a result, the process from applying to being approved and receiving funding can take a matter of days.

Step 1: Check your credit score for free and make sure that your credit is as bad as you think it is. Bad credit loans do come with higher interest rates and less flexible terms, so it is always a good idea to have a clear picture of your situation and be sure of your options first.

Step 2: Ask yourself whether you really NEED finance, and if so, will you be able to honour your finance agreement without harming your credit score further?

Step 3: It is worth looking into credit repair? With a clean credit rating you could save thousands on interest rates compared to if you have a bad credit rating. We recommend contacting Clean Credit about this. While there is an up-front cost, it will certainly benefit you in the long run.

Step 4: Ready to apply for a bad credit loan? Enquire within 30 seconds via our enquiry form here. One of our loan specialists will be in touch within 24 hours to discuss your circumstances & options. From here, if you are approved then you could receive funding within the next 48 hours!

Bad credit loans are very broad, covering a wide range of different types of finance. This includes bad credit car loans and home loans. Whether your old car has broken down and you need a new one to get to work each day, or maybe you just want to treat yourself, a bad credit car loan provides you with the opportunity despite your credit history. Interest rates will be slightly higher than a typical car loan with a good credit score, however if you need a car and do not have the funds available to pay outright then a car loan is a great solution.

Fees and charges for bad credit loans are typically higher than loans with good credit. However depending upon your loan amount, repayment length and whethe r your loan is secured against personal assets, you could still get a favourable interest rate. Our interest rates are listed here. For an accurate idea of what interest, you can receive, take 30 seconds to fill out an enquiry form or speak to our team on 1300 138 188.

Loan establishment fees are charged when a personal loan is deposited into your account. This is a small one-off fee which normally ranges between $100 – $700 and covers the cost of providing you with financial assistance.

If you are looking to find a finance solution other than a bad credit loan then Australian Lending Centre offers a wide range of other loan products, including:

  • Bad credit debt consolidation: Having multiple loans can be difficult to keep up with and fees can be high. Consolidating these debts means that you only have to worry about one loan with one interest-rate which can save you time and money.
  • No credit check loans: If you are worried about damaging your credit score further by applying for another loan then a no credit check loan could be a good option. Your credit score will not be affected and you can still receive finance.
  • Credit repair: Getting your credit rating back on track is always a good idea. Having a good credit score can also save you thousands of dollars since interest rates will be lower.

While it is possible to get personal loans with bad credit, these loans come with much higher interest rates, stricter terms and usually have to be secured against personal assets. Fortunately, it is possible to improve your credit score through the process of credit repair. Here are the 4 steps to repair credit:

Step 1: Request to look at your credit report for free and check what negative listings are on your file. If this is not possible for you or you find it confusing then you can get in touch with our team by calling us on: 1300 015 210 and we can walk you through your report

Step 2: If you have defaults, black marks, credit enquiries or court judgments on your credit file then it is possible to have these removed. Take 30 seconds to fill out an enquiry form with Clean Credit here and a credit repair expert will be in touch within 24 hours.

Step 3: From here, the team will be able to look into your situation and determine whether it will be possible or not to repair your credit file. If so, then the Clean Credit experts will be able to move forwards and dispute any negative listings with your creditors in an attempt to get them removed.

Step 4: If you do choose to proceed with credit repair then there is an ‘application fee’ of $330, followed by a ‘removal fee’ of $880 per removal. This can be arranged as part of a payment plan on your terms, and if the team are unable to remove your negative listing then you will receive a refund of all ‘removal fees’.

Loans for bad credit are your opportunity for a second chance at finance. When other lenders say no, bad credit loans provide a financial solution to support you when you need a cash injection most. Perhaps you made late repayments in the past or let debt pile up until it was out of control. Whatever your reason for bad credit, there are still options available. A bad credit personal loan can provide you with the funds to get that emergency dental work, to cover school fees or to cover you until the next pay day, when you might otherwise fall into greater unpaid debt and watch your credit score drop as a consequence.

Depending on your financial situation, we will find the best Loans for bad credit to cater to your situation.

A secured bad credit loan is a loan that is taken out against an asset you offer as security.

For example: If you have you have equity in your property, you can qualify for secured loans with bad credit through Australian Lending Centre. By using your property to secure the loan, you could be instantly approved for our bad credit loan options.

If you don’t have equity in your assets to secure your loan, don’t give up on looking for a loan. Australian Lending Centre offers a variety of unsecured bad credit solutions to can help you get back on track. Government-backed debt agreements can help you consolidate debts, stop interest from growing with creditors and prevent any further creditor harassment.

Depending on your financial situation, we will find the best personal loan for your needs.

Everyone falls on hard times and we don’t judge. Our bad credit loans can help even if you’re dealing with creditor harassment, eviction notices, late payment requests, or bankruptcy. Australian Lending Centre understand that life can throw unexpected events your way causing you to fall behind. Events such as illness, unemployment, death in the family, accidents, natural disasters or divorce can severely impact your financial situation and people need loans for bad credit.

Australian Lending Centre is an experienced bad credit loans lender. If you’re ready to improve your credit score, consider our debt consolidation loans service. We’ll handle your creditors, stop the harassment and help you return to a stable state. Find out how to fix a bad credit rating.

If you have bad credit or no credit history, you may need a solution fast, especially if you want to borrow money.

Contact our bad credit loans team and get started today!

Yes, although it depends on your situation. If you have good credit and a limited amount of debt, you probably won’t need to close your existing accounts. You can use a balance transfer or even a debt consolidation loan without this restriction. Getting a balance transfer credit card never comes with restrictions. If you get approved for the card, the creditor will not require you to close your other cards.

After going ahead with a credit card debt consolidation loan and bringing the amount owed to your credit card providers down to $0, it’s not recommended to cancel your credit card accounts.  Having a zero-balance credit utilisation ratio will boost your credit rating.

If you do close your credit accounts off then your available credit will shrink, lowering your credit utilisation ratio and if you need to access finance in the near future, it will be a much harder if you have to go through the process of applying for & being approved credit cards again.

If you find yourself being too tempted with your credit cards still being available, then lock them or store them away somewhere safe to avoid the temptation. Do you have issues with controlling your spending or living beyond your means? If so, you need to address these problems before looking to enter into a finance agreement such as a debt consolidation personal loan. Otherwise, you could face serious financial problems later down the line. Without controlling your spending, you could end up with a high level of outstanding debt again before too long. 

If you are feeling overwhelmed by debt there are people who can help. The free National Debt Helpline is open from 9.30am to 4.30pm, Monday to Friday.

Bank lending requirements have become stricter than ever. It isn’t easy for a consumer to secure a bad credit personal loan – especially on short notice. Australian Lending Centre understands your urgent needs, which is why most bad credit loans can be approved within as little as 48 hours. When the banks so no, we do what the banks don’t do: assist you in finding a personal loan that is right for you regardless of your past credit history.

If you need a bad credit loan, a specialist at Australian Lending Centre can give you the information you need to see if one of our bad credit loans is right for you.

Contact a specialist today by calling 1300 138 188.

We offer loans for people with bad credit throughout Australia who are struggling to find financial solutions with negative listings on their credit report. Our loans for bad credit listings include paid defaults, unpaid defaults, bankruptcy and debt agreements.

When the banks say NO and you urgently need bad credit personal loans, enquire with Australian Lending Centre today! We specialise in helping people from all walks of life with the best financial solution with our own range of alternative lenders. We’ll assess your information and qualify you with the most suitable option that caters to your financial and personal situation so you can get the loan you want for the things you need.

By getting a bad credit loan through the Australian Lending Centre, we can also give you the opportunity to repair your credit history. This will make your ability to borrow in the future much stronger.

Our range of loan products include bad credit quick loans, bad credit secured loans, bad credit business loans, unsecured personal loans, secured personal loans for people with bad credit, personal loans with bad credit and many other kinds of bad debt loans.

Every bad credit personal loan applicant is different from the other and we take all our clients’ situations very seriously. In saying that, we cannot guarantee approval of each and every loan application. However, with over 30 years of experience in successfully helping our clients, we can tailor our loan products to suit our valued customers’ individual needs and situations.

If you’re looking for an Australian bad credit loan or just a personal loan bad credit, contact one of our friendly bad credit loan specialists for a complimentary consultation and find out how Australian Lending Centre can help you.

Contact a bad credit loan specialist today by calling 1300 138 188.

Learn About Bad Credit Loan Options