Do you have a history of bad credit?

If so, our Bad Credit Loan is just for you!

We understand it’s hard to get a loan with a bank or another financial institutional. We make it possible for you to improve your credit profile with our Bad Credit Loan.

What exactly is a bad credit history?

Your loans in the past have defaulted. An outstanding bill left unpaid for more than 60 days is usually referred to as a default.

Examples of a bad credit history includes one or more of the following:

  • Unpaid default
  • Paid default
  • Current Bankruptcy or Ex-Bankruptcy
  • Part IX Debt Agreement.

A bad credit history can be made worse if too many enquiries are made by lenders on your credit profile.

Strict limits are made by major banks on the number and frequency of recent credit enquiries.

We believe everyone deserves a second chance.

Your entire credit record should not be ruined by a minor default.

How do you get a Bad Credit Loan?

Unlike banks, we are more understanding to your needs and circumstances.

We don’t turn away customers with a bad credit history, in fact we welcome them!

Apply for a loan today and we will make it possible for you to improve your credit profile.

Take the step today by simply completing our online application form. Click here to apply!

Alternatively, you can discuss your needs with someone who understands by calling 1300 88 23 24.

What are you waiting for? The sooner you contact us, the sooner we can assist you.

What do we require from you?

We require the following to process and approve your loan:

  • Your personal details
  • A bank statement

We use safe, secure technology to help you gather this information.

Your information will only be accessed with your permission and with our highest security.

Over time, your credit history will improve as we learn to trust each other.

This means after time you will be able to borrow more money when you need it.

Loan repayments

We make things easier. Repayments can be set up to be in step with your pay cycle.

We take your needs into account. We match repayments with your capacity to repay.

A repayment reminder is sent before as well as on Payday.

Direct debits will be set up on Payday to your account.

If you think a repayment cannot be made on Payday, please contact our Support Team.

Our job is to make repayments both predictable and painless for you.

We don’t have any hidden agendas or fees. If a repayment is late, you will be made aware of any additional fees upfront.

Remember: As soon as you pay off your current loan, you can apply for another.

Once you loan with us and we have all your information on file, applying for another loan is fast and easy. Simply call us or re-apply online through our client portal.

Over time, your credit history will improve as we learn to trust each other.

This means after time you will be able to borrow more money when you need it.

More about Bad Credit Loans

Does this sound like you?

  • You have recently become unemployed
  • The banks have foreclosed on your home
  • You have suffered bankruptcy
  • You have suffered another type of financial crisis.

If so, your ability to borrow will be restricted as your credit file will show a bad history.

In such circumstances we understand it can be difficult to remain positive, but we can help you!

Experience freedom, with our specialised Bad Credit Loan

A bad credit history is not considered as a limitation with our specialised Bad Credit Loan. Our specialised Bad Credit Loan will provide you with the cash you need for any acceptable purpose. We especially cater to people with a credit history of defaults and arrears. In today’s market, such limitations make it incredibly difficult to get finance. Our Bad Credit Loan is your solution, offering you competitive interest rates.

Do these circumstances apply to you?

  • On Centrelink Benefit
  • Self employed
  • Self employed but unable to provide recent financial statements
  • Employed less than 3 months
  • A bad credit history with a mortgage in arrears
  • You live on a rural property
  • Other circumstances preventing you from borrowing.

Our Bad Credit Loan is your first step in succeeding again in dealing with a major bank or lending institution. At that point the interest rates may be even lower.

This can all be possible within 6 months.

Experience freedom and take advantage of our experience.

Fees

Only 5% of the principle is the interest charged by the lender on the advance.

The overall fees charged to you on top of the Principle with a Payday Advance are dependent on the optional services you choose. However all advances have a Financial Supply Fee that depend on repayments and a weekly account keeping fee. These can be seen in the table below.

  • 1 payment loan 35% of loan amount
  • 2 payment loan 45% of loan amount
  • 3 payment loan 60% of loan amount
  • 4 payment loan 75% of loan amount
  • 6 payment loan 95% of loan amount
  • 8 payment loan 115% of loan amount
  • Account Keeping Fee $4.95 per week

To view our Disclosures and Authorisations where you can see our full fee table for any additional fees, click here.

Take the step today by simply completing our online application form. Click here to apply!

If you don’t want to apply online, please call us on 1300 88 23 24 to speak to one of our friendly staff.

What are you waiting for? The sooner you contact us, the sooner we can assist you.