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Bad Credit Personal Loans

$50 to $5,000 paid out by *

Fast 3 to 36 month online loans.


100% No obligation loan quote


Get your cash in 15 minutes once accepted*


We don’t credit check or charge any fees†

Find bad credit lenders with My Lender

Have you had previous bad credit personal loans that you were not able to clear on time or you were not able to clear at all? Are you needing another bad credit personal loan for something urgent but hesitant to apply for one? Are you apprehensive of taking things on credit due to your bad credit history? Or you’re anxious of encountering any form of emergency that would involve expenses because you might not be able to take out a bad credit loan for it? You would no longer have to worry about that as My Lender will take care of your no credit checks loan guaranteed taking off that stress of not getting a loan for you.

You may have been searching for lenders that could consider your loan application despite your bad credit history but what you need to think of is this, there are so many lenders out there that having to go through them is going to be stressful enough more so having to check that the service they provide is legitimate and that’s where My Lender comes in to help you, with a wide network of valid lenders all over the country, a lender can assist you despite a bad credit history.

Which company is best for bad credit personal loans?

There are so many lenders that would claim they would work on ‘bad credit loans Australia, guaranteed approval’ and telling they are the solution to your problem but that is not a good guarantee and ends up to good to be true. My Lenders will connect you to a lender who may work on your application despite bad credit history but will also look at your current financial standing. These lenders that work based on regulation will assess that yes may be you have had bad credit record but if you have been doing well and can see that currently you are capable of making payment then a no credit check loan could be available to you. 

Bad Credit Personal Loans

Can I get a personal loan with bad credit?

Some instances would come where the need for extra funds is a solution to address an emergency but it’s not all necessary on just emergency. If you need to get somewhere tropical to get away from a stressful work place, yes we can call that an emergency too. The good thing with My Lenders is the lenders that will be connected to you will not just look at your credit history, they check your income, your spending habits and your current financial activities and if they find that you’re sound and can work on the repayment schedule an approval is for sure. 

Bad Credit Loans Australia Guaranteed Approval – Avoiding these traps

If you go to a traditional banker or lender you will most likely get rejected on your application. You would resort to going to a lender that tells you they can give you what you want. The thing with these is that they may charge you with interest more than you can handle. MyLender service of lender-finder will partner you with the lender finder based on your situation and your needs. The system that your application will go through will get you with the perfect lender to work on your bad credit loan and will steer you clear from these bad credit personal loans scams. Go to My Lender and entrust your business with the right lenders that is recommended for you. 

Having a loan is not a top option for us as this is additional monthly burden so if you stay away from lenders that give you too good to be true guaranteed approvals on bad credit personal loans that you free yourself from the potential of high interest rates as we would only want to be of help by making sure that the loan you get does not become your burden. 

Need bad credit loans in Australia?

Bad credit is not uncommon in Australia as you’d be surprised of the number of those that wants a bad credit personal loans approved. One way or another on our way in building our credit score, there would be stumbles along the way but should not be a hindrance to getting a current loan approved.

The lenders whom your account would be submitted to would not worry on a bad credit history from way back when as they would also check your current financial standing and habits and if things are looking good now then bad credit history would not be an issue.

Worry less on personal loans with bad credit, get on to MyLenders and a lender with a valid Australian Credit License will take care of you.

Am I eligible for a bad credit loan with My Lender?

You can go through the list below to see if you are eligible to acquire  bad credit personal loans on My Lender

The following requirements are:

Australian resident or permanent resident

18 years of age

With a regular income to a personal bank for the past 90 days

With a valid email and phone number

If you have the following requirements then you can send in your application for same day loans.

What information is needed?

Our system just needs the basic details for each profile, that’s how quick and easy it is. Less paper works. Our lending partners may require additional but these are still pretty basic and something that you most likely have ready when sending in your application.

ID to verify information

Company name and address

MyGov credentials for Centrelink

Bank credentials for online bank statement

Loan purpose

When you send this in through your application we will go through our list of providers who can work with people on bad credit and not for a long wait, a recommendation will be given to you.

Defining bad credit loans.

You would wonder what makes or is a bad credit loan. When you would like to acquire for a loan but it so happens that you have had an old loan that was badly settled then that bad credit goes to your record. However in the long run we will one way or another need another loan and you remember that bad credit score. You no longer have to worry because that’s what bad credit loans are for. It qualifies you for the loan despite having a bad credit history.

Going through a financial crisis is stressful enough so applying for a loan should not be a burden. Our accredited loan providers are flexible and but will not work on bad credit loans Australia guaranteed approval. 

Traditional banks are not as understandable when it comes to bad credit loans as they only see that you had a poor credit history, discrediting the fact that you may now be able to pay-off any loans. However with our list of lender providers, you will not need to hesitate in applying for that no credit check loans.

We look at a customer’s current capacity, income and spending habits of the present. That’s how we look above bad credit history. If we see that you are capable of accommodating a loan and paying for it, a contract would be drafted approving your online loan application. 

Online Personal Loans

How to apply with My Lender?

When you choose to work with My Lender’s lender-finding service for your bad credit loan application you will find the process to be easy. 

First is to choose the amount you would like to apply to find the possible calculation & schedule repayment then click the Apply Now button. That’s it

Second is the moment we receive your application we will send it out to lenders. From your end all you will have to do is wait and this will not take long. Our system will find a lender that will match your needs and when it does you will be contacted for further action. 

Third is a contract will be drafted by the lender that will work on your application, you will receive a draft of this contract. You need to go over it to see that the details are correct then send it back with your signature.

Lastly, you get your cash. If the returned contract is received on the same day within business hours, your loan proceeds will be deposited to your NPP-enabled bank account. If it does not come through within business days then you will receive your cash within your bank account in the next banking day.

Bad credit loans

Bad credit loans are for those with poor credit scores. Traditional banks do not tolerate receiving these applications as there is no guarantee based on records that this time you can make appropriate payments but My Lenders online lenders are very flexible and have other basis on approving loans so you can breathe easy knowing that you can get the money that you need.

There are a number of reasons why there is a need to get a loan and anything can trigger that but with the service from My Lender you can assess the solution to your financial problem and work on it with peace of mind.

How much do bad credit loans cost?

As your lender finder, we cannot directly indicate how much bad credit loans cost but the contract that your lender partner will provide you will contain all needed details so you are on the know on what you’re getting into.

In our website, the personal loan calculator can give you an overview on how much it would cost you to loan a certain amount on a certain period of time. 

Why choose My Lender?

Getting My Lender as your lender-finder not only assures you peace of mind and a stress free application process it also guarantees that your data profile is safe and protected. Here are some feedback from happy customers:

Application process is quick and totally uncomplicated.

Apply online and only online

No paperwork or unnecessary documentation to secure

Upon getting the application our system sets to find you a loan partner.

Whether we find you a suitable lender or not, results are given right away.

Quick and immediate, that’s how we work.

If you feel that this is the right lender finder service for you then wait no further and send in that application so we can work on it right away.

You can get in touch with us if you have anymore information that you would like to know of. More importantly all details shown here pretty much gives you a picture of the sure fast service you will get from My Lender. Within the day you would know if you can get a small online loan for repair, medical needs or if you can book for that vacation you think of going to. That’s how fast we can get your results for you. 

Our frequently asked questions also have the details you may need, feel free to go through it and find the answers needed.

So don’t let your worries get the best of you and don’t let bad credit history stop you from getting extra financial help if that’s what you need. Let My Lenders lender finding service help you get back on your feet or give you that financial assistance that you need just as you need it, no more bad credit check worries.