Life takes many twists and turns

Along the way you might find your credit history gets a little beaten and bruised as a result, and you start to think you that you may not be able to get some extra finance when you really need it.

At Positive Lending Solutions we can restore your confidence, get your credit rating back on track, and make sure you’ve got the funds you need, when you need them.

Benefits of getting a personal loan with bad credit

There are three main reasons why getting a bad credit personal loan might be a really smart move:

personal loans bad credit

You’ll get the cash you need quickly

credit repair

Paying the loan back on time and in full means you’ll repair your credit rating faster

future loans for bad credit

At the end of the loan period you’ll be in a much better position to apply and be approved for low interest loans

What can you buy with bad credit personal finance?

This really is limited only by your imagination, but some general areas that spring to mind are:

car refinance considerations
  • Expensive essentials like white goods and furniture
  • Unexpected expenses such as vet visits or vehicle repairs
  • Replacing items such as laptops or mobile phones
  • Consolidating debt
  • Home improvements and renovations

Can you get a bad credit personal loan?

Having a bad credit history is a common occurrence for many people. You’re not alone. There are some universal reasons why people tend to get bad credit scores:

paid or unpaid credit default

Paid or unpaid defaults, including credit card defaults

loans after repossession


bankruptcy discharge

Discharged bankruptcies

no credit history

No credit history

part 9 debt agreement

Discharged from a Part 9 Debt Agreement

loan enquiry

You’ve made too many loan enquiries

We’ve helped thousands of people get personal finance despite these issues, and many others. Our success rate is second to none, so we are pretty certain we'll find a solution for you.

Why pick Positive Lending Solutions for a personal loan with bad credit?

  • From start to finish, you are our number one priority, not the financial institutions'.
  • We have access to the best deals available from over 30 of Australia’s leading banks and lenders.
  • With 35 years experience, it’s fair to say we know what we’re talking about.
  • In less than 24 hours after submitting your application you’ll usually have an answer.

What should you do now?

Talking to one of our experienced loan consultants on the phone is the best way to quickly and efficiently answer common questions like how much i borrow? and how will my repayments be? By calling us on 1300 722 210 we can have this information for you in a matter of minutes.

An even easier option is to complete our Quick Quote form found at the top of this page. Our team will make sure to call you real quick, and before you know it you'll have all the information you need. Our consultation is obligation free, so the worst that can happen by calling us is finding out and understanding everything you need to know. That’s a pretty good deal!

get my bad credit personal loan quote

Quick Quote

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

We make finance a Positive experience