No Credit Check Loans

Applying with the Australian Lending Centre will not cause an enquiry on your credit history. No credit check loans are designed for those who don't want to impact their credit history.

Apply for a No Credit Check Loan


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No impact on your credit file

No impact on your credit score

No Credit Check Loans Protect Your Credit

If you need a financial injection but also want to preserve your credit rating then you can do so with a no credit check personal loan. You will not receive a credit check when applying for this form of finance which means that your credit rating will remain intact.

Too many enquiries on your credit file can negatively impact your credit rating which is why this is a great solution.

While our no credit check loan enquiry form is a soft enquiry with no impact on your credit rating, in some cases we may not have a financial product suitable for your situation, and you may be redirected to a third party lender. This lender may require a credit check, but only at your discretion.

No Credit Check Loans Will Not Impact Your Credit rating

Application with ALC will not impact your credit score

Keeping a good credit score is Important

It’s been a tough time for Australian households in the past year, but we’ve come together as a community. Some of us have experienced a drop in our credit scores as a result of deferring payments, missing payments or even just applying for credit. This is an issue if you need to borrow money to tide you over, because the first thing that banks and most financial institutions look at is your credit score. It can be really disheartening.

It’s also a catch 22, because each enquiry you make will further negatively impacts your credit score, even if you don’t get an approval. This is one of the main reasons that Australians with impaired credit look for no credit check loans. Who needs another enquiry recorded?

Applying with Australian Lending Centre is what is called a “soft enquiry” and won’t show up as a credit enquiry on your credit history. We take you entire story into consideration, and have a little more “wiggle room” than the banks.

Do I Qualify for a No Credit Check Loan?

In most cases qualifying for a no credit check loan is pretty straightforward, even if your credit report isn’t perfect. Past credit problems don’t mean you won’t qualify for finance. Our customers use the Australian Lending Centre to connect with lenders matching their circumstances.

We work hand in hand with loan providers that offer financial products designed to suit borrowers with impaired credit scores. Bad credit situations happen so easily, all it takes is a couple of enquiries and a late payment or two and your credit score can take a plunge. 

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What Can I Use No Credit Check Loans For?

INvest in your child's education

Education Expenses

Cover payments like school, university and tutoring costs as well as books, devices and uniforms.

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Utilities and Bills

Did you get a large electricity, gas or water bill? Pay them on time and then pay off over time.

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Car Repairs

If your car is essential and breaks down, you need to fix it fast. No credit check loans can help.

Unexpected Expenses Personal Loans

Medical Bills

If you are injured or experiencing health problems, the last thing you need to worry about is money.

Dental Bills

Dental Costs

Getting dental work done is sometimes expensive and usual pretty urgent, so why wait?

Business Loans Services

Business Finance

No credit check loans also cover business finance, from start-ups to business expansion.

Bad credit no credit check loans

No Credit Check Loans With flexible Requirements

Today’s traditional lending requirements have become much more strict than in the past. The banks have made borrowing much tougher or impossible for those with lower credit scores.

Traditional banks are turning down more consumers, even those with a good credit scores. Today’s banks focus on candidates with very long, healthy credit files, superior scores, a strong savings history and excellent cash flow. In essence the banks are playing it very safe.

Unfortunately, this high level of credit is not achievable for many everyday Aussie individuals and business owners, especially in today’s economic climate. If you are one of the thousands of Australians with a few rocky patches in your credit history, there are still financial options with non-bank loan products that may suit you, including “no credit check loans”.

Banks do not offer no credit check loans

Getting Started with Our No Credit Check Personal Loans

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No credit check loans can be applied for over the phone by calling 1300 138 188 or you can apply online. Our financial specialists will take your information, calculate your income and tell you right away how much you qualify for. ALC takes into consideration the reasons you’re requesting finance to help get you as much funding as possible. It only takes a few minutes to apply for our no credit check quick cash loans and most are approved and deposited in as little as 48 to 72 hours!

Fast Loans With No Credit Check Australia

We offer fast finance with no credit checks so if you have any sudden bills or emergency repairs we can help. Australian Lending Centre offers loans to credit impaired customers without a credit check so they can feel at ease when applying.

For your complete reassurance and security, we will not perform credit checks unless you authorise us to do so. There are no credit checks involved in this type of loan with us; we also don’t check your credit history either. This does not render you from getting your loan approved at all. Our no credit check loan option is tailored specifically to your needs and financial situations.

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Fast Finance Approval 48 - 72 Hours

If you’re looking for a no credit check payday loan, Australian Lending Centre isn’t a payday lender however but we can still help clients who are seeking no credit check loans with quick approvals within 48 to 72 hours.

Call Australian Lending Centre on 1300 138 188 or enquire online today for a free consultation with no obligation on your part to go through with the no credit check loan application. We’re more than happy to give you all the information you need to make the informed decision yourself.

A Bad Credit History Shouldn’t Stop Your Chances Of Finance

Our friendly team at Australian Lending Centre offers no credit check personal loans for any purpose. We take personal loans seriously and will work with you to see if we can qualify you for our online no credit check loans. A bad credit history happens and shouldn’t stop your chances at getting funding.

Getting The Best No Credit Check Loan

Our lending team strives to understand your needs and situation and find you the best funding fit. Even if we are not able to get you funding we can still help you clean up your credit and work towards a better financial future! We offer no credit check finance Australia wide. Application is quick and easy and we will take you through the process carefully.

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Reasons You may Have A Bad credit rating

If you are in the hunt for a no credit check loan then it is likely that you are in a position of bad credit. Bad credit affects thousands of Australians each year and it can be difficult to avoid. Unfortunately, bad credit can make it virtually impossible to gain loan approval without paying abnormally high interest rates or having to secure your loan against personal assets, such as your house or motor vehicles. There are 3 main reasons why you might have a bad credit rating:

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Making late repayments

If you have a credit card, personal loan, phone contract or other finance arrangement then you are expected to make payments on time. If you fail to make repayments on time, a default may be placed on your file.

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Multiple credit enquiries

Applying for loans from multiple lenders in a short space of time can have a damaging impact on your credit score. Each time you apply for a loan, a hard credit enquiry is placed on your credit file which alerts future lenders.

Consolidate Credit Card Debts

Poor credit utilization ratio

Just paying the minimum each month towards your credit card debt has a negative effect on your credit rating, despite the fact you are keeping up with repayments. Owing less than 30% of your total credit limit is considered a good ratio.

How can I improve my credit score?

Fortunately, there are ways to turn your bad credit rating around. While it can take many years for defaults, court judgments, credit enquiries and black marks to naturally be removed from your credit file, there are other solutions.

Debt Management and Relief

Credit Repair

One of the fastest, most reliable and easiest ways to repair bad credit is through the process of credit repair. Negative listings such as defaults and credit enquiries can actually be disputed and removed on your behalf by credit repair specialists. In some cases, negative listings can be removed within as little as 30 days.

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Make repayments responsibly

By making repayments on time and maintaining a good credit utilization ratio, you can expect a lift in your credit score. Building your credit score back up can be timely but also effective.

Consolidate Credit Card Debts

Stop making credit enquiries

If you have recently applied for finance then take time to cool off before applying again. You can take a look at your credit report once per year for free with Equifax or we can help arrange this for you.

Applying for loans with no credit check has zero impact on your credit file. This means that you can apply without having a credit enquiry slapped on your credit file. Despite having a bad credit score, no credit check loans provide you with the opportunity to still receive finance if you need it. Other factors may need to be considered to ensure responsible lending.

How To Apply

Our primary goal is to find funding suitable for your needs and income, even with less than perfect credit. Australian Lending Centre have a range of short and long term loans with no credit check that won’t negatively affect your credit history. While we cannot help everyone, we will go above and beyond to find a solution.

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1. Apply Online

Our form takes less than 30 seconds and won't impact your credit score.

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2. Let's Talk Finance

Once we get your enquiry, we will call to clarify details and get to know you.

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3. Upload Documents

You will need to upload your documentation so we can verify your information

sign loan offer

4. Sign Loan Offer

Once your loan is approved, check and sign your loan offer.

Loan funds transferred

5. Funds Transferred

Funds can be transferred in as little as 48 -72 hours from loan approval.

*Note: Loan approval depends upon your individual circumstances, the loan you are applying for and the lender’s requirements. We will do all we can to ensure you apply for the most suitable loan.

No Credit Check Loans FAQ's

While the banks’ personal loans will require a credit check as part of the application process, ALC offers a selection of personal loans with no credit check, which may appeal to some borrowers with a non-existent or poor credit score.

It is important to remember that even if a loan is available with no credit check, we will need to confirm that you can afford the repayments on your current income.

Please reach out to one of our specialists and discuss with them in person your situation and needs. They will be honest with you about anything that is needed that will help acquire your loan.

If you have bad credit, your interest rate will generally be higher than someone with excellent credit, but Australian Lending Centre aims to offer the most competitive interest rates with our no credit check personal loan.

No credit check personal loans are specially designed for Australians with bad credit. Past credit issues — including bankruptcy — won’t disqualify you from our funding. We tailor each loan to your needs. Even if you have a high amount due on your credit accounts or personal loans, we can still help. Bank repossessions aren’t a problem either. All you need is a form of employment, income and a bank account to get started with our application process. Fast payday loans can be acquired within 48 to 72 hours once qualified and you will receive cash fast. And this is all done without checking your credit score whatsoever!

The changes of approval are good for a small loan, small loan with bad credit, quick loan/fast cash loan. Please reach out to one of our specialists and discuss with them in person your needs.

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.

No, Australian Lending Centre isn’t a payday lender however but we can still help clients who are seeking no credit check loans with quick approvals within 48 to 72 hours.

A “thin credit file” is where a person doesn’t have very much activity in their credit file, for examples no credit cards or loans and the credit history has only a couple or no credit records. A “thin file” can make applying for and getting, finance really difficult, as lenders cannot see a pattern of repayments or a proven track record and the borrower can be considered a risky proposition.

If you have a thin credit file or bad credit, it is important to know the contents of your credit file before before making the decision to apply for a loan. This will help you to understand the situation when your are approacing lenders. when talking to lenders. You might even find that when you check your credit you actually have a good score. This will allow you to apply for a traditional personal loan with a great interest rate and terms. This will save you money over the loan term. If you find you have thin credit, try to take some steps to obtaining smaller credit amounts and building up your credit history.

The FICO score is used by most lenders and the range is about 300 – 850. Above 670 is considered to get in the good or excellent range.

Get onboard to prove your creditworthiness when applying for a loan without a credit check. You’ll need documents and records to prove that you are financially stable and will be able to pay back new debt. Doing this will help increase your chances of getting approval.

Some of the documents you’ll need when you apply:

  • The past 2 years of tax returns.
  • Your job history and pay slips or other proof of stable income.
  • Evidence of you borrowing history, including mortgages, car finance, student loans or other credit evidence that you’ve been paying off.
  • Credit card debt documents
  • Recent bank statements.