Get positive response for loans with bad credit

31 March 2012

It becomes really frustrating when you face continuous rejection from the lenders for your loan application just because you don’t have a good credit record. Any bad credit record makes the lender skeptical about your credibility which at the end turns down your loan application. But that does not changes the fact that you are in dire need of funds to end your crisis. For such situations bad credit loans have been emerged in the loan market.

Bad credit loans are applied by people who don’t have a good credit record or have bad credit record. This bad credit is the result of bank arrears, CCJ, IVA, insolvency, foreclosures, late payments, skipped installments, bank overdrafts, and so on. But in these loans you need not worry for your credit history and the lender does not turns down your application no matter how bad your credit history is.

Bad credit loans can be applied in two variants namely secured and unsecured. The secured form allows you to have a huge amount for a longer period. These loans ask for a security to be placed against the amount that you borrow. The interest rate on this form is also less.

The unsecured form of bad credit loans allow you to have an amount that is comparatively lesser than the secured form for a shorter period of time. These loans are charged with a bit high interest rate. These loans are but absolutely free from any kind of collateral pledging.

With bad credit loans you can take an amount that varies within the ranges of AU$1000 to AU$75000. The amount of the loan also depends upon the requirement and repayment ability of the borrower. For these loans the interest rate and repayment period also depends on whether you have opted for secured or unsecured.

Loans bad credit can be easily applied through online application. This application is free of cost and free from any obligation. With these loans you also get various lenders that offer different competitive rates so by a thorough research on all of them you can get a viable deal.


Bad credit loans are the specifically designed cash advances for people who are suffering from poor credit records. These loans can be applied in both secured and unsecured form depending on your choice. You can also apply for these loans through online application which is free and easy.

The operator of this website is not a lender and does not make credit decisions. The information you provide will be used in securing you a payday loan with one of our carefully selected panel of leading Payday Loan Lenders in Australia. The personal, financial and employment information that we collect is stored electronically during the duration of the application and is removed from our system upon acceptance from the lender.

Please note that payday loans are meant to be used for short term financial emergencies and are not designed to provide long term solutions

We expect you to repay your loan on the date agreed, so if you do not think you are in a position to make your repayment, please do not apply with us in the first place. It is not worth risking your credit rating for such a small amount.