Bad Credit Personal Loans

Enjoy life's precious moments even if you have a bad credit history.
No impact on your credit score

Have you found yourself restricted by your bad credit? At Australian Lending Centre we don’t pass judgments, we offer compassionate solutions to your bad debt. We tailor bad credit personal loans to your situation. We work to relieve your stress!

We take the time to completely appreciate your situation and work with you to develop a suitable bad credit personal loan.

Live well with bad credit Personal Loans

Tailored Bad Credit Personal Loans

Sometimes juggling finances after a few wrong decisions can become daunting and stressful.  Trying to manage these commitments can lead to late payments or a huge amount of debt that could cause other lenders to reject your applications.

Australian banks are becoming very selective as there are thousands of applicants looking to borrow money. We understand this struggle and we use our experience and knowledge to help you get back on track with one of our bad credit personal loans.

Don’t wait and let the stress build. Find a loan provider who understands you and your situation!

You can avoid:

personal loans
bad-credit loans for holidays to france

How to manage Money with Bad Credit

Sometimes juggling finances after a few wrong decisions can become daunting.

We get that unexpected events such as illness or unemployment happen and a few poor decisions can result in a bad credit history. These situations should not result in constant rejection from lenders especially when all you need is someone to help.

At Australian Lending Centre we are here to help! We are an experienced bad credit loans lender who cares about you and wants to help provide you with quick financial solutions. To talk to our friendly personal loans team give us a call on 1300 138 188 or click ‘Apply Today’.

Financial Recovery from Bad Credit

We take the worry out of having bad credit. Our bad credit personal loans application is fast and straightforward. Our friendly team has extensive experience in working with applicants to customize bad credit personal loans. We have assisted thousands of Australians to obtain funds and our customers depend on us to deliver these funds quickly through our personal loans.

Bad credit personal loans for car finance

Loans To Suit Your Personal Circumstances

We offer different bad credit personal loans dependent on your financial circumstances 

secured personal loans in australia

Secured Bad Credit Loans in Australia​

A secured bad credit loan is a loan that is taken out against an asset you offer as security. Example: If you have you have equity in your property, you can qualify for a secured loan through Australian Lending Centre. By using your property to secure the loan, you could be instantly approved for our bad credit loan options.

Unsecured Bad Credit Personal Loans

We receive enquiries about unsecured bad credit personal loans quite a lot because many Australians do not have a property or assets to secure their loan. Australian Lending Centre offers different options in terms of an alternative bad credit personal loan.

If you need a personal loan and have a bad credit rating, call our friendly team and see if one of our bad credit personal loans is right for you. Time to get back on track.

unsecured personal loans australia
May 24, 2024
trustpilot logo

Great customer service, super informative and every helpful.

May 16, 2024
trustpilot logo

Grady was amazing! So thoughtful and understanding with not a single hint of judgement in his voice. I felt safe to express my emotions and like I was finally going to receive the assistance I need to get back on track. THANK YOU!

April 29, 2024
trustpilot logo

Chloe was so helpful, patient and knowledgeable. She was so good in explaining everything in a clear manner, and was friendly and provided me the information needed.

April 17, 2024
trustpilot logo

Keanu was friendly, patient and explained everything perfectly and gave me the assurance and guidance that I needed. He was a delight to speak to and he helped make a awkward, embarrassing conversation..easy and pleasant
Thank you Keaunu

March 25, 2024
trustpilot logo

Keanue was an absolute delight to deal with! I got everything laid out in simple terms and was able to understand a very typical hard finance conversation so easily. He was incredible empathetic and fantastic to talk about my financial situation with. Would highly recommend!

March 24, 2024
google icon
Fantastic very good lovely person to talk to Chloe..
March 22, 2024
trustpilot logo

I was able to get the support and help i needed with Pats Guidance. He didn’t judge me and gave me assurance that everything will be okay. Thankyou Pat for your exceptional service.

March 14, 2024
trustpilot logo

Pat was very understanding and helpful! He was non judgmental and helped me find the best possible solution for my debt issues.

February 29, 2024
trustpilot logo

Keanue was so great to talk to and nothing but helpful. I’ve struggled trying to get financial help because I was nervous and didn’t want to be judged. Keanue was so understanding, judgement free and wanted nothing more than to help me however he could.

February 22, 2024
trustpilot logo

Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃

February 22, 2024
google icon

Great assistance & very professional

February 20, 2024
google icon

Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
trustpilot logo

Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
google icon
Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
google icon

Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
trustpilot logo

This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!

February 14, 2024
trustpilot logo

Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service

February 9, 2024
trustpilot logo

Chloe was super friendly and helpful

February 8, 2024
trustpilot logo

I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat

January 30, 2024
trustpilot logo

Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!

January 29, 2024
trustpilot logo

Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.

January 25, 2024
trustpilot logo

He was very helpful and understand too notch employee

January 18, 2024
trustpilot logo

Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.

January 17, 2024
trustpilot logo

Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.

January 16, 2024
trustpilot logo

Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
google icon

Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.

December 20, 2023
trustpilot logo

Was great to talk to would do it again if I had to

December 20, 2023
trustpilot logo

Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!

December 18, 2023
trustpilot logo

Chloe was fantastic to deal with, very professional!!

December 13, 2023
trustpilot logo

Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
trustpilot logo

Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
trustpilot logo

A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks

December 7, 2023
trustpilot logo

Chloe was brilliant and super helpful

December 6, 2023
trustpilot logo

Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.

December 4, 2023
trustpilot logo

Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

December 4, 2023
trustpilot logo

Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

November 29, 2023
trustpilot logo

Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.

November 28, 2023
trustpilot logo

Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.

November 28, 2023
trustpilot logo

Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend

November 27, 2023
trustpilot logo

Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.

She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!

“Hakuna Matata – it means no worries for the rest of your debts”

Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.

Talk to one of their consultants today.

November 27, 2023
trustpilot logo

Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
trustpilot logo

This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!

November 23, 2023
trustpilot logo

Pat was very help full very go at helping ne each step very easy to talk to he dose a great job

November 23, 2023
trustpilot logo

First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.

November 22, 2023
trustpilot logo

It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.

November 22, 2023
trustpilot logo

Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
trustpilot logo

I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.

November 18, 2023
google icon

It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.

November 17, 2023
google icon

Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.

November 16, 2023
google icon

Was very helpful, and helped me get everything sorted and was a very nice person to deal with.

November 16, 2023
google icon

Pat helped me so much and I can’t believe how much this is helped me! Thank you so much

November 16, 2023
trustpilot logo

Friendly, understanding and informative

November 14, 2023
google icon
Excellent helpful and friendly person (PAT). He explained everything really well so you could understand exactly what happens and how it all works. Great 😃👍.
November 6, 2023
google icon
Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
trustpilot logo

Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
trustpilot logo

The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone

October 31, 2023
trustpilot logo

Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.

October 30, 2023
trustpilot logo

She was so understanding and amazing

October 24, 2023
trustpilot logo

Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation

August 17, 2023
trustpilot logo

Easy doing application online Verification and approval of application for quite turn around.

August 3, 2023
trustpilot logo

I recommended this to anyone because it was so easy going and very easy to use

March 22, 2022
trustpilot logo

I found Kayla to be very professional and non judgement to the advise l was asking, she had a lovely approach and manor on the phone. Would highly recommend this company

December 10, 2021
trustpilot logo

Kayla has been lovely to deal with. She’s been responsive and helpful, suggesting multiple solutions to help me meet my needs. She has shown empathy and warmth, genuinely caring for her customers and their situation. Thank you Kayla 🙏

June 30, 2021
trustpilot logo

I am so happy with the service that was provided to me, me and the customer service officer had a laugh, figured out my finances and I am able to get a new car thanks to her.. I have never ever been so happy in my life

June 29, 2021
trustpilot logo

Brilliant.. one of easiest interviews I have done. 👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽 Kristina was funny, engaging but more than anything calm. When dealing with peoples finances which is such a stressful subject she was calm.

June 28, 2021
trustpilot logo

Chloe was great. Very helpful and genuine

June 28, 2021
trustpilot logo

Professional and very clear

June 23, 2021
trustpilot logo

Kathleen was very friendly and easy to talk to. She confirmed everything to ensure she had our details correct. She explained our options and answered all the questions we may have.
Very happy overall with our time spent on the phone with Kathleen.

June 22, 2021
trustpilot logo

Chloe’s honesty and active listening skills were outstanding. She broke down the options for me and helped me feel at ease throughout this process. Thank you an asset to your team.
Rachel Rogers

June 21, 2021
trustpilot logo

Kathleen was very helpful and informative, with an excellent demeanor. Definitely a credit to your company.

June 21, 2021
trustpilot logo

Kathleen was polite and compassionate looking forward to getting back into a better position

June 18, 2021
trustpilot logo

Chloe was very understanding and polite with regard to my situation and offered effective strategies to suit my needs moving forward. Excellent customer service and support.

June 17, 2021
trustpilot logo

Kathleen was absolutely amazing! Professional, easy, friendly & quick to get results.
Before I made the phone call I was depressed & embarrassed and didn’t know what to do about my stressful financial debt.
I’d spoken to around 4 other loan consolidation companies and they were no help.
I was loosing motivation & very confused but decided to make one last phone call to try and get help to fix my current financial mess.
Thank goodness I called & spoke to Kathleen!
By the end of the call a weight has been lifted off my shoulders and I no longer felt stressed.
I couldn’t believe that I actually felt excited and in control of my finances for the first time in a longtime.
Thank you so much Kathleen & team for helping me.
Now I’m no longer so stressed I can be a better Mother & enjoy life more with my peace of mind finally given back to me.
Thank you Kathleen!

Bad credit personal loans FAQ's

Even if you have poor credit, it is still possible to get a personal loan. While traditional lenders are most likely to say no, there are still solutions with non-bank lenders, such as Australian Lending Centre. We offer a wide range of loan products including personal loans with bad credit.

A credit score is determined by a number of different factors. These factors contribute towards giving you a number highlighting the level of risk you are considered to be to a borrower.

Your credit score is affected by an individual’s borrowing history. It takes into account the following points:

  • How reliable you have been at making repayments in the past
  • The number of hard credit enquiries that are on your file: each time you apply for finance, you receive a hard credit enquiry which alerts future lenders that you have previously applied for finance.
  • Defaults, black marks and court judgments: if you consistently make late repayments or fail to make repayments at all then these more severe negative credit listings can be placed on your account. Each of which can remain on your file for many years, dragging your credit score down.

A credit score can be described as a way of determining risk. To a credit provider, a low credit score would represent a high risk, while a high score would be considered low-risk. Credit ratings are used by lenders as a subjective means of judging potential borrowers. However, a person’s credit rating does not always accurately represent the risk of lending credit to them.

The actual formula used to determine a credit score is a tightly kept secret by the credit reporting agencies. What is universally accepted however is that the lower the score, the worse a credit report is considered to be by a potential credit provider.

Fortunately, bad credit can be repaired by a credit repair company, such as Clean Credit. These are one of Australia’s leading credit repair specialists. With a good credit score, you are much more likely to be approved finance and will be able to take advantage of lower interest rates.

Credit scores can go as low as -200 and as high as 1200, -200 being a very poor credit score. While it is impossible to predict the outcome of an individual credit application, a general rule of thumb is that any credit score less than 500 may be considered an issue and could result in an application to be declined or interest rates being higher.

Even with bad credit, you can still receive a bad credit loan. Find out if you qualify here.

Credit scores can go as low as -200 and as high as 1200, -200 being a very poor credit score. While it is impossible to predict the outcome of an individual credit application, a general rule of thumb is that any credit score less than 500 may be considered an issue and could result in an application to be declined or interest rates being higher.

Even with bad credit, you can still receive a bad credit loan. Find out if you qualify here.

Yes! If our loan specialists qualify you for finance then you could have funds in your account within as little as 48 hours from being approved. After filling out an enquiry form, a specialist will call to determine whether you are eligible for finance. Regardless of your bad credit score, you can still get a bad credit personal loan. The terms might just be less favourable if you have a bad credit score.

Yes! If our loan specialists qualify you for finance then you could have funds in your account within as little as 48 hours from being approved. After filling out an enquiry form, a specialist will call to determine whether you are eligible for finance. Regardless of your bad credit score, you can still get a bad credit personal loan. The terms might just be less favourable if you have a bad credit score.

You can use a bad credit personal loan to fund a number of different things. From getting a new car, to paying for school fees, to covering home renovations, to holidays. A bad credit personal loan comes rich with opportunity. Having bad credit shouldn’t have to prevent you from being able to get finance when you need it most. However, before taking out another loan it is important that you understand why you have bad credit in the first place to ensure you don’t make the same mistakes again.