We're proud of the fact that we've helped people from all walks of life unlock the door to finance.
With access to a range of car loans, competitive home loans, and more, we could help you, too.
Rapid Finance are also looking to help the wider community. Offering scholarships to reward students for their commitment and willingness to learn about the financial sector.
At Rapid Finance, we pride ourselves on over two decades of expertise with bad credit finance, a commitment that's reflected in our numerous 5-star Google reviews. We understand the importance of maintaining your credit integrity, hence we avoid any unnecessary 'hard' checks that could impact your credit file negatively - see our no credit check car loans page to learn more.
We work closely with our network of specialist lenders across Australia, to ensure that we can offer a wide array of options to suit your unique financial needs. As part of your application, we offer complimentary free credit report reviews, helping you identify and rectify any inaccuracies, ensuring your financial profile is as strong as it can be – for the best chance of approval, with terms that suit you better.
We're dedicated to sourcing loan terms that are not only affordable, but also tailored to complement your lifestyle. Our friendly team, based in Australia, is committed to providing a professional service that is specifically designed around your individual circumstances, needs, and aspirations. At Rapid Finance, we're all about combining personal attention with professional service to help you achieve your financial goals.
Rapid Finance has been recognised as a 10-Year Member of the MFAA. The Mortgage & Finance Association of Australia is the leading national body for professional mortgage and finance brokers in Australia. It was established to promote and maintain high standards of professionalism, ethics, and best practices within the mortgage and finance industry.
The MFAA provides its members with support, resources, and training to help them offer high-quality service to their clients. Additionally, the MFAA requires its members to adhere to a strict Code of Practice, which includes obligations related to professionalism, ethics, and continuous professional development.
Rapid Finance is proud to be a 20-Year Member of the FBAA. The Finance Brokers Association of Australia (FBAA) is a key national body representing finance and mortgage brokers across the country. The association is dedicated to supporting high standards of service, integrity, and professionalism in the industry.
As a long-standing member, Rapid Finance benefits from the FBAA's commitment to professional development, access to industry resources, and adherence to its Code of Conduct. This code emphasises ethical behaviour, continuous education, and best practices, ensuring our clients receive knowledgeable and reliable service.
Michael Cullinan
Director
Go Rapid (or Rapid Finance) is a finance broker, who specialises in assisting our customers get their finance or loans approved. We often assist people who have been knocked back by lenders due to their credit history or employment status.
We have over 20 years experience, assisting individuals and small businesses all across Australia get their finance applications approved. Having strong relationships with a wide range of lenders, who each have different approval criteria. We are experts in presenting the strengths of our customers to lenders, improving their chances of success, with minimal impact on their credit file
We also offer a Free Credit Report service, so our customers can see what the lenders see, without a 'hard' credit check. Allowing us to work with them, to fix up any issues, prior to application, if necessary.
At Rapid Finance, we pride ourselves on offering a personalised and tailored approach to finance. Unlike other brokers, we understand that every customer’s situation is unique. With over 20 years of experience, we specialise in helping clients who may have difficulty securing loans through traditional lenders, such as banks, due to self-employment, bad credit or when receiving Centrelink payments.
Our key differences include:
Our focus is on delivering the best possible outcome for our clients, no matter how complex their financial situation may be.
Yes, it is possible*. Rapid Finance specialises in assisting customers obtain bad credit loans. We understand that life doesn’t always go according to plan, and your credit history shouldn’t be a barrier to securing the finance you need.
Here’s how we could help:
Even if you’ve had defaults, missed payments, or other credit issues in the past, we may be able to help you find a solution that works for you.
* Approval is subject to an applicant's overall profile.
Yes, we can - in most cases. Many of our customers think they have very little chance of getting their car loans approved, until we review their situation and focus on their strengths. Strengths are different for everyone, but can include things like having a deposit, stable job, stable home or having a mortgage etc...
We can review your credit file, see what lenders see and match you with lenders, based on your financial history and current strengths.
In some situations, where we can not assist immediately, we can work with you to fix up their credit file or make other adjustments, to improve your chances of approval with the best terms available to you.
Learn more about our car loans with bad credit solutions or car loans on Centrelink. For unsecured loans, see our bad credit loans to check whether you could qualify and to get started.
Yes, we can - in most cases!
We specialise in finding finance for home loans with bad credit for our customers - even if they have had their applications knocked back in the past.
Even if you have a low deposit (or no deposit at all) and a bad credit history, we will work with you, to match you to the right lender to improve your application chances of approval.
As experts in the home loans space, we will review your credit history (with no mark on your credit file) and make sure your application is presented well, to improve your chances of success.
Yes, we can - in most cases!
Head over to our Wholesale Cars page, to learn more about our national network of cars, where you could get your next car or vehicle at wholesale prices - saving you time and money.
After completing your car loan application, just let us know what you need the car for, and we can take it from there. We'll present you with a range of suitable vehicles, all with no obligation to you!
Yes, Rapid Finance could assist you if you receive Centrelink payments, as long as you meet certain criteria. We understand that many Australians rely on government benefits, and we work with a number of lenders who consider Centrelink payments as part of your income.
Here are some key points:
We aim to make finance accessible to all, and we’re here to help you explore your options, even if you’re on Centrelink.
See Loans on Centrelink, Car Loans on Centrelink or home loans on Centrelink to get started.
Affiliations with industry associations like the MFAA (Mortgage & Finance Association of Australia) and FBAA (Finance Brokers Association of Australia) are a mark of professionalism and trust in the finance industry. These memberships indicate that Rapid Finance adheres to high ethical standards, ongoing education requirements, and best practices in the industry.
Here’s why it matters:
By choosing Rapid Finance, you’re working with a team that is recognised by Australia’s leading finance associations for their commitment to excellence.
Yes, we are a registered finance broker. Rapid Finance (Aust) Pty Ltd is fully licensed and regulated to offer credit services in Australia. Our operations are overseen by the Australian Securities and Investments Commission (ASIC).
Here are our relevant credentials for your reference:
All Mortgage origination is undertaken by our associated entity, Rapid Mortgages (Aust) Pty Ltd, which holds an Australian Credit Licence number 509599.
At Rapid Finance, we’re here to help you every step of the way. Whether you have questions about our services, need assistance with your application, or simply want to discuss your options, our team is ready to assist.
Best Ways to Reach Us:
By Phone:
By Email:
Online:
We’re committed to making the process as smooth as possible and are here to assist with any concerns or questions you may have.
Rapid Finance has its head office in Melbourne, however, we also have a presence in Sydney, Brisbane, Perth and Adelaide. Our loan and finance services are available across Australia.
Rapid Finance, Unit 1/ 13 Bonview Circuit, Truganina. Victoria 3209 - Contact Us to learn more.
Monday–Friday: 9:00am - 6:00pm (AEST)
At Rapid Finance, we are always looking for talented people to join our team. Head over to our careers page to view the job opportunities with Rapid Finance across Australia.