500
Weekly
Fortnightly
Monthly

Loans from $2100 and upwards require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

The Interest Rate for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.


Cash Loans For Bad Credit Can Help You Out Of Tough Situations

cash loans for bad credit

Cash loans for bad credit are small personal loans from $1,000 up to $15,000, repaid over a period of up to 24 months. Each loan will have an establishment fee and either a 4% monthly fee or interest, depending on the amount applied for. These fees are paid off over the life of the loan.

Having bad credit is one of those things that has a habit of getting in your way at the worst possible time. Especially when you need cash in a hurry. Life leaves you in a tricky situation and, more often than not, you’re caught unawares. Say your car breaks down and needs urgent repairs. Or perhaps you need an emergency vet appointment for Charlie the Corgi after he swallows his favourite toy. Regardless of what lemons life decides to throw at you, it always seems to be at the most inopportune time!

Good People Bad Credit happens to think that you shouldn’t be limited due to some past mistakes. With this in mind, we’re here to help you find cash loans for bad credit to help you out when you need a bit of spare cash most. But first, let’s take a look at why we think we’re pretty damn good at what we do.

Introducing Good People Bad Credit

Here at Good People Bad Credit, we’re all about helping the little guy out. The reality is that there are so many people out there that don’t have a perfect credit history. Let’s be honest, life happens, and that’s just the way it is. But, it’s fascinating how traditional lenders don’t seem to understand this. They take one look at an application and decide that you’re not worth the risk due to your bad credit history. Good people are being declined due to a few mistakes in their past.

That’s where Good People Bad Credit comes in. We don’t believe that someone should be automatically declined straight off the bat for having some spots on their credit history. But, we also know how frustrating it can be trying to find a lender who will give you a chance. Your search has finally ended! Good People Bad Credit are lender-finder experts that specialise in finding the perfect lender for people who have a bit of bad credit history.

We’re here to do all the hard work for you. We’ll scour the internet to find the best lenders, so you don’t have to. You no longer have to worry about which lenders need what paperwork or trying to find the paperwork down the side of your filing cabinets. We’ve got that covered too. In fact, our application process is so smooth and straightforward that you will only need a few minutes to complete the application and can then kick back with a coffee while we do our thing.

We’re here to make life a little bit easier for you.

What exactly are cash loans for bad credit?

Cash loans for bad credit are precisely what they sound like! They’re small personal loans from $1,000 up to $15,000 for people who have had a bit of bad credit in their past. They can be used for a variety of reasons, from pesky unexpected bills, car repairs and home maintenance to doctor or dentist bills! They were designed to help people with bad credit out when they needed a helping hand, fast.

We source bad credit lenders and try to help everyday people like you find their cash loans for bad credit.

What are the basic application criteria?

Cause we like to keep this process as stress-free as possible, we’ve made our basic application criteria nice and straightforward. For Good People Bad Credit to be able to go about finding you lenders for cash loans for bad credit, we need you to match the following basic criteria before we can start trying to find you a lender.

  • Be at least 18 years of age
  • Be an Australian citizen or permanent resident
  • Have access to an active phone number and email address
  • Have been receiving income into a personal bank account for at least the last 90 days

If you match these criteria, then fantastic! Push ahead with your application, and we can get straight on to trying to find you a cash loans for bad credit lender.

How do I submit an application to Good People Bad Credit?

Applying couldn’t be easier! Our application process is 100% online, and you won’t need to go hunt down any complicated paperwork. Just a few quick minutes and we’ll be able to start looking for a lender for you.

Step one

To begin, scroll up to the top of this page and have a look at our handy loan calculator. Select the amount that you’re looking to borrow, and for how long and hit Apply Now. This will get your application off to a quick start.

Step two

From here we’ll grab some important details from you such as your name, age, address, employment details and phone number.

Step three

At this point, we’re going to grab a read-only copy of your bank statements from you, as well as a copy of your benefit statements (if you receive a benefit). We grab these documents so that any lender we find you can start assessing your application quickly. Your application has now been completed and submitted to us.

If we are able to find you a lender, you’ll then deal with your lender directly.

It’s as simple as that. You already have enough stress to deal with, so we’re out to make the process as simple and stress-free as possible for you.

What are the fees and repayments on cash loans for bad credit?

As we’re the lender-finder and not the actual lenders, we cannot guarantee what repayments and fees will be associated with a cash loans for bad credit. Every lender is different and as such will have different loan terms. It’s important that if you are approved, that you check your loan contract beforehand to make sure you’re happy with your repayments amounts and fees. We can, however, give you an example of what costs may look like. Remember, that this is an example only.

If we find you a lender, who can approve you they will be in touch to discuss repayments terms and any fees they may charge.

Small amount unsecured loans, $1,000 up to $2,000:

For small amount unsecured cash loans for bad credit of $1,000 – $2,000. If your application is approved by a lender, remember to read your loan contract thoroughly, as it will contain all relevant costs.

Medium amount secured loans, $2,001 – $4,600:

The costs of a medium amount cash loans for bad credit are a little different. If your application is approved by a lender, remember to read your loan contract thoroughly, as it will contain all relevant costs.

If you’re interested in applying for one of the larger cash loans for bad credit of $2,001 – $4,600, they are secured loans so you may need to provide a vehicle, boat, motorbike or caravan that is registered under your name that can be used as security. If your application is approved by a lender, remember to read your loan contract thoroughly, as it will contain all relevant costs.

Repayments

Your repayments will vary depending on your loan amount, loan length and lender. As we mentioned, we cannot give you a guarantee of what they will be exactly as it is up to your lender to decide. We can, however, give you an example of what your repayments may look like.

Just scroll to the top of this page and have a look at our convenient cash loans for bad credit loan calculator. Indicate how much you would like to borrow, for how long, and how often you would want to make your repayments (weekly, fortnightly or monthly) and voila! A repayment estimate will show you what your repayments may look like. Keep in mind that this figure will be indicative only.

Can people receiving Centrelink apply?

Yes, people receiving Centrelink can apply for cash loans for bad credit! In fact, finding lenders for Centrelink customers with bad credit is a speciality of Good People Bad Credit. We understand how hard it can be when you receive Centrelink benefits. Traditional lenders take one look at your application and, more often than not, decline you purely because you receive benefit payments. We don’t think that’s very fair. This is why we aim to find you with lenders who are willing to give Centrelink clients the fair go they deserve.

So, if you’re looking for cash loans for bad credit and unemployed, Good People Bad Credit may be able to help you find the lender you want. Apply now and get the process started.

Cash loans for bad credit

We specialise in finding lenders of cash loans for bad credit. We’re well aware that the idealistic view traditional lenders have of everyone having a perfect credit history is unattainable. We think that the fact that they decline people who have had a bit of bad credit in their past is unfair. That’s why we’re here. To give everyone a fair go at finding lenders of cash loans for bad credit.

In a perfect world, everyone’s credit score would be spotless, no one would need to borrow money, and debt would be all but non-existent. But we don’t live in a perfect world. Life happens, sometimes we get handed lemons, and things don’t go the way we hoped. But we shouldn’t be punished for this for years after the fact.

This is why Good People Bad Credit can find lenders who are understanding and fair. They believe that everyone should have the chance to get the credit they need when they need it.

So, if this sounds like it could be the helping hand you’ve been looking for, apply now.

Do you perform a credit check on cash loans for bad credit?

As a lender-finder Good People Bad Credit does not perform credit checks on any applications we receive. However, we can find lenders who may perform a credit check as part of reviewing your application. But don’t let this stop you from applying as credit checks are not the only important information that is taken into consideration.

This is why we request a read-only copy of your bank statements. We can find lenders who think that your bank statements provide a good recent snapshot of your finances and are a good indicator of your capacity to repay any potential cash loans for bad credit you may be approved for. If lenders can see that your recent history is going well and you’re meeting your current commitments consistently, they may be able to help you out, despite your previous credit history.

So, don’t let the prospect of a credit check stop you from applying. Instead, apply for lenders of money loans with bad credit and let us help find you a lender who won’t judge you solely on your credit history.

The lowdown on cash loans for bad credit through Good People Bad Credit

Here at Good People Bad Credit, we’re on a mission to make finance easier for those who don’t have that perfect credit score. We can find reliable, understanding lenders who won’t instantly judge you on your past but are willing to look to the future. So, if you’re looking for lenders of cash loans for bad credit, don’t hesitate. Apply now and get back to what life is really about.

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