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We are more lenient than many other lenders and applying has no impact on your credit score. This makes Australian Lending Centre a fantastic option if you have bad credit.
Get a 2nd chance at finance while protecting your credit file and apply for a bad credit loan today.
Apply within 5 minutes by clicking “Start Your Application” below and completing the online application form. It’s fast & simple.
We provide a wide range of bad credit solutions, including Bad Credit Debt Consolidation and Bad Credit Personal Loans. All of our loans involve absolutely NO credit check.
We require minimal documentation, making the whole process super speedy. If you qualify, you can expect a same-day approval!
Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃
Pat was so caring and empathic and gave me clear guidance on my best options!
Pat was very helpful and easy to converse with. Thanks Pat!
Pat was absolutely amazing ! Such an incredible help he has shown !
This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!
Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service
I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat
Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!
Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.
Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.
Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.
Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.
Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!
Chloe was great! Great service and very friendly. Glad to find a solution
A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks
Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.
Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂
Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂
Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.
Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.
Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend
Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.
She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!
“Hakuna Matata – it means no worries for the rest of your debts”
Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.
Talk to one of their consultants today.
Would recommend. Excellent customer service. Willing to help anyone !!
This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!
Pat was very help full very go at helping ne each step very easy to talk to he dose a great job
First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.
It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.
Very informative and supportive, very easy and polite to talk to 🙂
I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.
It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.
Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.
Was very helpful, and helped me get everything sorted and was a very nice person to deal with.
Pat helped me so much and I can’t believe how much this is helped me! Thank you so much
Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future
The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone
Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.
Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation
Many Australians have dishonoured repayments, defaults, court judgements, and credit enquiries on their credit file. These negative listings can damage credit history and hinder loan approval.
Forgetting about a parking fine, defaulting on energy bills, making late repayments on personal loans, or having overwhelming credit card debt can stain your credit history.
Banks may reject you, adding more negative marks to your credit report. It becomes a damaging cycle.
Our team of specialists create tailored bad credit loan plans to improve your finances without impacting your credit file.
If you need fast money but have a low credit score, our flexible online loans for bad credit could be the perfect solution.
The Australian Lending Centre offers a second chance, disregarding your borrowing history to provide you with a financial opportunity.
Don’t just take our word for it – check out the excellent Trustpilot reviews that our customers have left!
Consider bad credit debt consolidation if you’re juggling multiple debts and struggling to manage them. It could simplify your finances with one monthly payment and lower interest rates, even if your credit is less than perfect.
If you need money for a holiday, car, medical bills, or anything else, our range of bad credit personal loans could help. Our hassle-free no credit check application process eases the stress of applying with a poor credit score.
No credit check loans for bad credit could provide quick access to funds regardless of your credit history. The streamlined process means you can receive money without delays or worries about your credit score falling further.
Are you looking to start, maintain or expand your business? Our experienced team can introduce you to a broad range of business finance options, even if you have a bad credit history.
Our goal is to help you get the best outcome for your home loan, whether you’re renovating or refinancing. Your credit situation doesn’t matter.
If you’re eyeing a new car but finding it difficult to secure a loan due to bad credit, our specialised bad credit car loans could be the solution you need to drive away in your dream vehicle.
Consistently missing payment deadlines can lower your credit rating, and if a payment remains overdue for an extended period, it could result in a default being recorded on your credit report.
Whenever you apply for a loan and undergo a hard credit check, it adds a credit enquiry to your credit report. Multiple enquiries may indicate that you're seeking credit beyond your financial capacity.
Your Credit Utilisation Ratio reflects the proportion of credit you've utilised compared to what's available. If you've spent $2,000 out of a $10,000 credit limit, the calculation is: $2,000 / $10,000 = 0.20 (20%). Maintaining a credit utilisation ratio below 30% can positively impact your credit score.
Being responsible with debt repayments and not making too many loan applications within a short space of time can rebuild a low credit score.
Meanwhile, defaults, court judgments, and credit enquiries can be a little harder to shake. These negative listings can take years to leave your credit report, but credit repair can significantly speed this process up.
Credit repair offers a swift and efficient solution for cleaning a poor credit file. Defaults, court judgements and credit enquiries can be disputed and potentially removed on your behalf in as little as 30 days.
Wait a minimum of 6 months after undergoing a hard credit check before seeking another loan. Frequent credit enquiries may imply that you're borrowing beyond your financial capacity.
Consistently making debt repayments on schedule and keeping your credit utilisation ratio below 30% will gradually enhance your credit score over time.
Here are some common things that bad credit loans are used for:
The best thing about Bad credit loans is that they’re incredibly flexible. Anyone can apply and you can decide the loan’s purpose and terms.
If you have no credit history, building your credit score can seem daunting, but it’s entirely achievable with these steps:
By following these steps consistently, you can gradually build your credit score and establish a solid credit history over time.
Yes, you can obtain car finance with bad credit. Here are some options:
You may need to pay more in interest than someone with a pristine credit report, but there are options to get you behind the wheel of the car you want.
If you stick to your payment schedule, you won’t damage your credit report any further.
Because a bad credit loan means a higher risk to the lender, it is common to find that the fees and charges for this type of loan may be higher than for someone with a healthier credit history. This, of course, varies individually and will depend upon how much you want to borrow, the length of the loan, the repayment schedule and whether or not the loan is secured against equity.
The Australian Lending Centre offers a very broad range of financial products including:
Debt Management: If you are overwhelmed with debt then you could take advantage of a debt relief plan where all of your unsecured debt is managed on your behalf. Some of the key benefits of debt management are reduced repayments, protection from creditors and in many cases, frozen interest.
Bad Credit Debt Consolidation: A debt consolidation loan with bad credit is a great place to start if you struggle to repay multiple debts on time each month. You’ll only have one repayment each month, one set of fees and one interest rate, which is generally lower than credit card interest rates, so you’ll save time, money and stress.
No Credit Check Loans: No credit check loans allow individuals to apply for finance without the worry of a credit enquiry on their report. You can still be approved for a loan based on other criteria, such as your income.
Credit Repair: Negative listings can often be removed through credit repair. If they were incorrectly placed on your credit file in the first place, or if the default has since been paid, it can often be negotiated for them to be removed.
A bad credit loan can positively impact your life by providing you with a helping hand when you’ve been rejected elsewhere.
It allows individuals with poor credit to consolidate debt or handle emergency expenses, presenting a valuable opportunity for financial stability. A bad credit loan also offers the chance to rebuild your credit score through consistent, timely repayments.
Being given a second chance to regain control of your finances can be a great weight off your shoulders, providing you with a safety net to keep you away from further financial trouble.
Secured personal loans with bad credit are loans that are backed by collateral, such as a vehicle or property, to mitigate the risk for the lender.
Because the loan is secured, individuals with bad credit may have an easier time qualifying and may receive more favourable terms, such as lower interest rates or higher borrowing limits, compared to unsecured loans. However, if the borrower fails to repay the loan according to the terms, the lender has the right to seize the collateral to recoup their losses.
Unsecured bad credit personal loans are loans not backed by collateral, relying solely on the borrower’s creditworthiness.
Due to the increased risk for lenders, they often come with higher interest rates and stricter eligibility requirements. Despite this, they provide borrowers with access to funds for various purposes without requiring collateral. However, borrowers should carefully review terms to ensure affordability before applying.
A common form of unsecured loan is a credit card.
Yes, although the approval speed depends on your circumstances, including the complexity of your financial situation, whether you complete your application and provide all necessary documents properly and the loan amount that you’ve requested.
It takes less than 5 minutes to complete an online application with the Australian Lending Centre. Your application could be assessed immediately, with a same-day bad credit loan approval if you qualify.
Bank loan requirements are strict for a number of reasons:
Most of the restrictions on bank lending are imposed by the government.
The Australian Prudential Regulating Authority (APRA) and the Australian Securities and Investment Commission (ASIC) require banks to keep records about how they assess applications. This means the lender must ask more questions, which can slow down or stall your application. Because of this, bank applications take a lot longer than they used to to get approved.
When applying for a home loan, banks may also consider your living expenses, using the Household Expenditure Method (HEM) to assess them.
Due to historically low interest rates in Australia, APRA has put restrictions in place to ensure that people won’t find themselves in hot water if those interest rates go up. The debt-to-income ratio, prevents people from borrowing too much more than their income (each lender has a different maximum cap, but most will not let you borrow more than 9x what you earn).
The banks also assess your retirement age. For example, a bank will not approve a 25-year loan to a person over 60. This change came about from the guidelines of the National Consumer Credit Protection Act of 2009, which was managed by ASIC.
Therefore, if you fall outside of the bank’s very strict criteria, your loan is unlikely to be approved.
Due to these strict regulations, banks can’t rely on common sense when assessing applications, unlike some private lenders.
For this reason, many people now find themselves unable to obtain loans from banks, which is why companies like the Australian Lending Centre offer alternative finance options, such as bad credit loans.
Bad credit loans offer several benefits, including:
At the Australian Lending Centre, we treat every customer as an individual. Every bad credit loan applicant has a different story and credit history, so they require a different solution to their financial situation.
We have to be responsible in our processes, and so we cannot guarantee approval to everyone. What we can say, however, is that we aim to find a solution to all our customers’ needs based on their individual circumstances.
Applying for a bad credit loan with the Australian Lending Centre takes only a few minutes. It is obligation-free and won’t impact your credit history. Get in touch for a complimentary consultation with one of our trained consultants to see how we can help you improve your financial situation today.
For over 25 years, the Australian Lending Centre has provided access to a wide range of financial solutions including Personal Loans, Debt Consolidation and Mortgage Refinance.
Applying with us has no impact on your credit score, so you could gain approval even if you’ve been rejected elsewhere
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