No Credit Check Loans FAQ's
How can I get a fast loan with no credit check?
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.
Does my no credit check loan require security?
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.
What will my interest rate be?
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 rates with their no credit check personal loan.
Do I Qualify for These No Credit Check Loans?
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!
Can I receive a small loan, small loan with bad credit, a quick loan/fast cash loan?
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.
Is a no credit check loan approval be guaranteed?
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.
Do you offer pay day lender loans?
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.
What is a "thin credit file"?
People with little or no credit history have what is know as a “thin credit file”. The is because the credit history has only a couple, if any, credit records. If you have a “thin file” you may have a hard time getting loans approved, because a lack of credit history makes it tough for lenders to assess credit risk.
Whether you have a thin credit file or just bad credit, you need to understand exactly what‘s in your credit report before applying for a loan so you know where you stand when talking to lenders. You might check your credit and find that you actually have a score that allows you to apply for a regular personal loan with better interest rates and terms—which will save you money over time.
How can I prepare for a no credit check loan application?
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.