Bad Credit Loans

If you’ve got a bad credit history and are worried you won’t be able to get a loan, we’re here to help. We’ve secured impaired credit loans for thousands of people, and our success rate is second to none.

bad credit loans background

Quick Quote

Select a loan type from the icons below

By clicking Get My Quote, I acknowledge and accept the Terms & Conditions.

bad credit personal loans happy family

At Positive Lending Solutions, we believe your bad credit history should be consigned to…well…history!

So let’s leave it there and look forward instead…

Benefits Of Loans For Bad Credit

  • You get the loan you want for the things you need without being charged outrageous interest rates.
  • It gives you an opportunity to repair your credit history.
  • Your ability to borrow in the future will be much stronger.
bad credit financing ball and chain

Why choose Positive Lending Solutions for bad credit finance?

  • We specialise in securing loans for people with bad credit regardless of your history.
  • Our relationships with over 30 of Australia’s leading banks and lenders means you’ll get the best deals available.
  • Over 35 years in business gives as a competitive edge over our rivals.
  • From the first time we speak, until your loan is approved, the process usually takes less than 24 hours.
  • Our number one goal is to get you the deal you want, not the deal the banks want.
positive lending solutions bad credit mascot bad credit lender mascot questions

What can you get poor credit loans for?

Boat Loans

bad credit boat finance Boat Loans

Car Loans

bad credit car loans Car Loans

Debt Consolidation

bad credit debt consolidation Debt Consolidation

Home Loans

bad credit home loans Home Loans

Jet Ski Loans

bad credit jet ski loans Jet Ski Loans

Personal Loans

bad credit personal loans Personal Loans

Motorbike Loans

bad credit motorbike loans Motorbike Loans

Truck Loans

bad credit truck loans Truck Loans

Caravan Loans

bad credit caravan loans Caravan Loans

Ready to talk about your bad credit history?

Call our team of bad credit loan experts on 1300 722 210 to find out how we can get you the loan you want, and sort out your credit history while we’re at it. Any advice we offer is 100% obligation free.

If you’d rather we called you, simply fill out our 30-second Quick Quote and someone from of our team will give you a call ASAP.

Start Application
positive mascot bad credit finance questions

FAQ

How can I get a loan with bad credit?

The best thing you can do is speak to a professional, such as our team at Positive Lending Solutions. Trying to secure a loan with a bad credit history by yourself will be very difficult. Be honest and open about your credit history, and if you can pay down or consolidate your current debts, it will improve your prospects.

Are the interest rates for a bad credit loan much higher than normal?

The truth is you’ll be paying more than someone with a good credit history. Banks and lenders will consider you a risk, and increase their interest rates accordingly. However, you are more likely to get a better interest rate by using Positive Lending Solutions, who have great relationships with many of Australia’s best financial institutions, than if you try and secure a bad credit loan by yourself.

What sort of credit history can you help with?

We can help if you have experienced any of the following situations:

  • Paid and unpaid defaults and court judgement
  • Discharged from a Part 9 Debt Agreement
  • Discharged from bankruptcy
  • No credit history
  • Too many loan enquiries

Can I refinance a bad credit loan?

It’s definitely possible. If at same point while paying back the bad credit loan you can prove your finance situation has improved, and you’ve been making your repayments on time and in full, we can help you try and refinance your loan to get a better interest rate.

What Our Finance Clients Say

Positive experiences
from real people.

Resources

good or bad credit

Good or bad credit? Find out for free.

find out more
save thousands on car buying

Buy the perfect car & save thousands?

find out more
what determines your bad credit loans interest rate

What determines your interest rate?

find out more