Bad Credit Loans


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Fill out the application, at, and if approved 4 hours later you could have money in your account.*

Quick Loans

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Get a loan of up to $5,000* Complete our simple 5 minute application and if approved the lend will send the money directly to your account. Bad Credit is not always an issue. Quick Loan Cash Loan

Personal Loans are available to all states of Australia. Most of our customers are from Sydney, Melbourne, Brisbane, Perth, Gold Coast and Sunshine Coast areas.

Bad Credit Loans

If you’re looking for loans with poor credit history, this is your article! We’ll go over the best options in terms of rates and fees–and which ones are best suited for different situations–so no matter what your needs, you’ll find something perfect here! 

If you have bad credit, then getting a loan can be difficult. Thankfully there are some companies that offer loans to people who don’t want to wait years for their credit score to recover. This blog post will review the top five bad credit lenders and explain how they work. 

1. What is a bad credit loan and what are the benefits of getting one?

A bad credit loan is a type of unsecured personal or business loans which are designed to help those with low-to-no credit score who cannot obtain traditional bank financing. A bad credit loan generally comes at an annual percentage rate (APR) that’s much higher than what you’d get from a good, secured form of lending such as for example car title loan.. However, the rates may still be lower in comparison to many other forms of high-interest debt including late fees on unpaid bills plus overdraft charges when using your checking account balance below zero. One benefit associated with getting one would be its simplicity: it’s possible to borrow money after just three easy steps! Just contact us through our website

2. The two different types of loans available for people with bad credit

There are two different types of loans available for people with bad credit: unsecured personal loans and secured personal loans. Unsecured personal loans give anybody who has bad credit access to some extra money without having to put anything down as collateral. Secured personal loans require collateral – usually an item like a car or motorbike – but they will offer lower interest rates than other banks might charge because there is something at stake if

3. How to get approved for a bad credit loan?

Getting approved for a bad credit loan can be difficult. You may have even been turned down by your bank before. But, don’t give up hope just yet! There are plenty of other options available to you. All you need is the right information about how to get approved for a bad credit loan and what type of loan will work best with your financial situation. 

The best way to get approved for a bad credit loan is to have some information on your side. In this article, you will learn how to get approved for a bad credit loan, what types of loans are available and the benefits of getting one.

4. The best time to apply for a loan if you have poor or no credit history

The best time to apply for a loan if you have a poor or no credit history is today. You may be surprised at the number of lenders out there willing to work with your unique situation, and who can offer great rates on their loans. Contact us now to find out more about our options!

5. How long does it take to receive your money after applying for a loan?

It can take less than an hour to receive your loan into your account.

6. Why should I choose a licenced Australian lender?

You can get fast personal bad credit loans

Simple application – Fast decision

Apply for a short term loan and you could get the cash you really need in your bank account in the next few hours. (subject to banking)

More info:

Bad Credit Loans


What is a Cash loan?

A cash loan is a short term loan which can be paid off over a short period of time upto 12 months

How much can I borrow?

You can apply for $400 to $2,000. The lender will tell you how much you qualify for when you application.

Fast Loan Approvals

Loan requirements are minimal. Your loan pre-approval is just a few clicks away.

Quick Cash in Minutes

If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1

How It Works

If you have a cash flow problem is your best solution. A simplified application and

Is my personal information secure?

We use the most up to date and technologically advanced equipment and software to protect your privacy.

Happy Customers and Keeps Counting

Get pre-approved for a personal loan today!


Eligible Borrower:


A payday loan or cash advance is a short term loan. It provides the consumer with the needed cash to use until their next payday, or over a 12 month period. The loan, plus any applicable fees, is paid back on the consumer's next payday (This can be extended if required)

  • 18 years of age or older.
  • Australian Permenant Resident.
  • Valid check or savings account with direct deposit.
  • Regular income of at least $1,000 per month.
  • Bad Credit or Centrelink Customers are welcome to apply. (Centrelink)
  • *All Loans are subject to an assessment of suitability and affordability.

If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1 business day, although certain banks can take up to 48 hours to show the credit

Before you get started owned and operated by Fish4Loans Pty Ltd | ABN 89 603 132 618 | Australian Credit Licence Number 474107

Register online from home on your PC or from anywhere using your mobile device

If your application is succesful you will be presented with a loan offer subject to terms and conditions shown on the offer.

We are a Licensed Finance Broker. We do not provide any kind of credit facilities. Your request will be referred to a third party that you can deal directly with.

You will be advised of the 3rd party lenders fees and charges before signing your contract. We may receive a small fee (amount unascertainable) from these third parties for the referral.

It is recommended that you take independent legal and financial advice before taking up any products that you are referred to.

Frequently asked questions

Normally within 24 hours of application approval. Bank holidays, weekends and certian banks can impact delivery time up to 48 hours

Our lenders costs are the same for all states. They charge an establishment fee which is 20% of the loan amount you borrow plus a 4% monthly fee.

Yes you can. Your credit score does not always play a factor in most of our lenders decisions.
All our lenders will perform credit checks but bad credit will not always preclude you from obtaining a loan

The loan amount and any fees will be electronically deducted from your bank account on the due dates. You do not have to do anything.

Please speak directly with your lender if you have any issues paying back the loan.

Fill out the easy online application and submit it. You are under no obligation at that point. You will be able to see the loan offer before agreeing to it.

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