Bad Credit Loans

Loans for Cars, Homes and More

Others call it "bad credit". We call it our specialty. Even if you've been turned away by the banks, or have had problems with defaults in the past, we could still help. So don't give up. With decades of industry experience, our experts will endeavour to find you the right bad credit loan.

Loan TypeLoan TermWho is this Product for?Loan PurposeMin Loan AmountMax Loan Amount 
Bad Credit Car Loans 1-7 Years People who have a bad credit history including: ex bankrupt, Part XI, credit defaults, poor credit rating or have been previously declined Purchase of Vehicle $2,000 $70,000 Learn More
Bad Credit Home Loans 10-30 Years People wanting to refinance who may have credit defaults, ex bankrupt, Part XI, poor credit rating or have been previously declined Purchase of Home $200,000 No fixed maximum Learn More
Debt Consolidation 10-30 Years Home owner/Buyers. Looking to utilise equity to condolidate loans and debts into one managemeble payment Debt consolidation/Mortgage refinance $200,000 No fixed maximum Learn More
Bad Credit Bike Loans 1-5 Years People who have a bad credit history including: ex bankrupt, Part XI, credit defaults, poor credit rating or have been previously declined Purchase of Bike $2,000 $30,000 Learn More
Bad Credit Boat Loans
1-5 Years People who have a bad credit history including: ex bankrupt, Part XI, credit defaults, poor credit rating or have been previously declined Purchase of Boat $2,000 $30,000 Learn More

Bad Credit Loans for Any Situation

Get a bad credit loan that's right for you

With access to an extensive range of financial products, Rapid Finance could help you - in spite of bad credit. Click below to read more about the types of loans that may be available to you.

Ready to take the next step?

Start your application online

or call 1300 467 274

Rapid Finance Rating

Rapid Finance is rated 4.88 for customer satisfaction by 57 customers.

Bad Credit Tips

Save – putting aside whatever you can, no matter how little, shows lenders you're financially responsible.

Pay debts –pay more than the minimum repayments on credit cards and other loans.

Pay bills on time - avoid dishonours by making sure you have enough in your account to cover direct debits. Overdrawing an account will be recorded on your credit history and can hurt your chances of getting finance.

Check your credit history for mistakes – often, defaults are listed on credit files in error or without proper diligence. A finance expert can check for mistakes and help you get them removed from the credit reporting agencies' records.

Speak to a broker a finance broker can approach lenders on your behalf and advocate the strengths of your financial situation. Call 1300 467 274 to find out if we can help you.

Ready to take the next step?

Start your application online

or call 1300 467 274

Rapid Finance Rating

Rapid Finance is rated 4.88 for customer satisfaction by 57 customers.

Bad Credit Calculators

How much would a bad credit loan cost you per month? Use our finance calculators and see whether the amount you want to borrow is affordable. Adjust the loan options to find out what terms could be right for you.

Give it a shot!

Ready to take the next step?

Start your application online

or call 1300 467 274

Rapid Finance Rating

Rapid Finance is rated 4.88 for customer satisfaction by 57 customers.

Everything You Need To Know About Bad Credit Loans

How Important is my Credit Report?

So you’re thinking of finally rewarding yourself with your dream ride. Or your rust bucket of a car has disintegrated and it’s time for an unscheduled upgrade.

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Can I Get a Car Loan with a Part IX Debt Agreement?

It’s quite easy to take your car for granted when it’s sitting in your driveway awaiting your instructions for take-off. But what if it wasn’t there.

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How Do I Know if I Have Bad Credit?

The irony of a credit score is that, often, people don’t know what theirs is like until they need to rely on it. So, how do you know if you have bad credit? And what does it mean for your loan application?

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Find the Loan Right for You

What is a bad credit loan?

A bad credit loan is a finance product for individuals with less-than-ideal credit histories. Bad credit loans can be used for various reasons, just like a standard loan. 

Frequently Asked Questions

Rapid Finance Reviews

27 September

Finance approval was real quick. I got the approval within minutes. Martin really did a great job. I would definitely refer my friends here. No hassles, rapid approval. What else can you get...

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27 September

Very well assisted with finance and constant communication at all steps of the process. Very good advice and not a pushy service.

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27 September

Am very happy with the outcome and will be recommending Rapid Finance to friends

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