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Enjoy life's precious moments without worrying about bad credit
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Don't let bad credit slow you down
Our bad credit personal loans are designed to keep you moving forward.
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Bad credit personal loans are fast and easy
Our process is quick and easy so you can enjoy life without missing a beat
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Fast and Easy Bad Credit Personal Loans

Apply for a Bad Credit Personal Loan


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NO-effect-on-your-credit-fileNO effect on your credit file

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.

You can still live well with bad credit

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!

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How to manage 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’.


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.

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Loans To Suit Your Personal Circumstances

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

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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.

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Customer Reviews

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.

Banks and other traditional lenders can be extremely strict, making it almost impossible to get personal loans with bad credit. However, private lenders are generally far more lenient, making bad credit personal loans possible. With greater leniency comes greater flexibility. The Australian Lending Centre finds loan solutions which can be tailored to you. From the length of loan, to the repayment schedule, you can get finance on your terms.

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.

Bad Credit Personal Loans Explained

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