For bad credit personal loans and more,
let us find you a lender.

For bad credit personal loans and more, let us find you a lender
Searching for Bad Credit Loans Australia? Do they really exist?

Searching for Bad Credit Loans Australia? Do they really exist?

Readily available bad credit loans

Struggling to find bad credit loans Australia? This can be tough when you need cash quickly and your credit rating isn’t looking the best. Pocket Cash is here to find you a lender that can say “yes’ and make loan finding easy and quick! We cannot guarantee approval, however, we can find lenders that offer bad credit loans. So, if you have bad credit why not apply with Pocket Cash? If you meet our eligibility requirements we can help you find the money lender you need!

What are bad credit loans?

Have you been Googling ‘bad credit loans Australia’? A bad credit loan is a loan provided by a lender to someone who has a poor credit history. Lenders that provide bad credit loans may still do credit checks as well as look at your current relationship with money. So, if you’ve been rejected for a loan in the past because of your credit score, we have great news for you. At Pocket Cash, we can find lenders who are willing to help you find a solution with bad credit.

What causes a bad credit rating?

A bad credit score can play a large role in securing a loan. Here are a few key factors that may lead to a bad credit score:

  • Late or missed payments: Making late payments or paying nothing on active credit facilities such as credit cards or phone accounts can give you a negative affect your score. So, depending on how late you were to pay, your score will still be impacted.
  • Level of debt: Having a high debt level can heavily affect your credit score. The good news is that your credit score can improve quickly! All you have to do is work towards paying it off and you can get back on track. With that in mind, Bankruptcy is perhaps the most damaging to any credit score.
  • Number of Credit Inquiries: Each time you submit an application that requires a credit check, an enquiry is placed on your credit report. It’s best to keep your applications to a minimum to preserve your credit. At Pocket Cash, we do our best to match you with lenders that fit your circumstances.
  • Serious Credit Infringement: When a creditor can see you have no intention of paying your balance this can be reflected by a “serious credit infringement” on your credit file. In this case, it’s always best to be honest with your creditor. In some circumstances, you might be able to make a payment plan or arrangement.

Bad credit loans Australia? Pocket Cash could consider your application!

At Pocket Cash, we won’t just tell you what you want to hear. When you submit an application with Pocket Cash we’ll do our best to match you with a compatible lender as quickly as possible and will let you know if we can’t. All you’ll need to do is fill out our speedy online application form and we’ll help you find the lender.

Who is eligible to apply for a loan?

When applying with Pocket Cash, there are a few requirements you must meet. So before you apply make sure that you are:

  • Over 18 years of age or older;
  • Be an Australian citizen or permanent resident;
  • Receiving a regular income into a nominated personal bank for at least the last 90 days;
  • Have an active mobile number and email address.

That’s it! After you check off these you’re ready to apply with Pocket Cash. Ready to start your application? There are just a few more things you will need to have handy…

What documents should I have?

When you’re searching for ‘bad credit loans Australia’, it’s always good to know what you may need before you apply. At Pocket Cash, we like to make things easy that’s why our application is 100% online.
To make your application as speedy as possible, make sure you have these details in hand:

  • Reason for you loan;
  • Employment information;
  • Mygov details;
  • Bank account details;
  • Person contact detail e.g. your mobile number, email address.

Are you ready to find a lender? Let’s get started!

How do I apply?

At Pocket Cash, all you need to do is follow these simple steps and we will try our best to find you a lender in no time! We’ve designed our application process to be simple and fast.

Step 1: Apply online

To begin your application, scroll up and you’ll find our cash loans calculator. This will give you an example of how much your loan may cost. Simply select how much you would like to borrow and for how long. Then select how frequently you wish to make your payments; either weekly, fortnightly or monthly. Pretty simple right? Following that, click apply!

Step 2: We search for lenders

After you’ve submitted your application, sit back and relax and we’ll do all the work for you. Our team will try their best to match you with a lender that fits your circumstances.

Step 3: Wait for an outcome

If we can find you a lender, we’ll let you know straight away! If that’s the case, they’ll be in touch to go over all the details.

It’s that simple. Our lender-finding service doesn’t cost you anything either so why not see what we can do for you?

Looking for bad credit loans Australia? What if you’re on Centrelink?

Finding bad credit loans in Australia can be hard, especially for people on Centrelink. However, if you need quick cash, it’s a good idea to choose a reliable provider. If you have a bad credit rating and have been receiving Centrelink payments as a regular income for at least 3 months, we could help you find the lender you need! At Pocket Cash, we can’t guarantee approval, however, we will do our best to find you the right lender for your circumstances.

Why not start your application process today and see what Pocket Cash can do for you? Need a loan? Pocket Cash can help you find lenders!

Bad Credit loans Australia up to $10,000

Are you googling ‘bad credit loans Australia’, we might be able to put you in touch with a lender that could consider you. So, whether you need to cover emergency costs like urgent repairs to your car or medical bills we make applying for bad credit loans Australia easy. Pocket Cash can help you find a lender that can offer you a personal loan from $2,100 to $10,000.

Don’t let bad credit get you down. We understand that sometimes things don’t go to plan. So why not apply today? Scroll up to the top of the page to use our quick loan calculator. You might be surprised with what we can find you. Want to learn more about what types of loans we can find? Let’s find out!

Bad Credit Loans Australia amount and costs

At Pocket cash, we believe in 100% Transparency. That’s why we like to give you all the details before you make any decisions. As we are your lender finder, we’re not able to guarantee the fees and charges associated with your cash loans. We encourage our customers to always ask their lender about fees that might be attached to their loan. Below are some examples of the type of loans that the lender we partner with offer:


Loan type Loan amount Loan term
Secured $2,100 to $4,600 12 to 24 months
Secured $5,000 to $10,000 12 to 24 months

Please refer to our costs page for more information on interest rates.

Looking for bad credit loans Australia: What if my application was rejected?

Here are some of the most common reasons why a personal loan lender might reject your loan application:

Your income is too low or unemployed: If you apply for a loan that is beyond your means to repay, denial is inevitable. Lenders need to see that you can afford to pay back your loan. Lenders also need to be certain that you’ll continue earning enough income. A long history of irregular earning could affect your chances of getting a loan.

Cash is your form of payment: If cash is your only form of income, we won’t be able to verify your income. However, if we can see you are depositing these earnings into your account consistently. You may have a better chance of approval.

There are inconsistencies in your application: If lenders can’t verify the financial information you’ve provided, there’s a high chance you may be denied for a loan. If you provide details that don’t match with the records, the lender may reject your application.

You’ve made payments to gambling sites: If a lender can see you’ve made payments to gambling sites or spent a significant portion of your income on gambling, this could be regarded as risky behaviour. In this case, this could mean that your loan application is denied.

You’ve applied for a bunch of loans: Too many inquiries for new credit can be seen as a red flag by lenders. It’s important to remember that each loan you apply for is noted.

If you want to learn more about how to manage your money, head to the Moneysmart website.

Are you ready to apply for a personal loan now? Let’s get you started!

Bad credit loans Australia, why choose pocket cash?

At Pocket Cash, we make it easy for you to get the cash you need when you need it! We are honest, reliable and fast which means we try our best to find you a lender that suits your circumstances. Need quick cash loans, bad credit loans Australia, or maybe even a loan while you’re on Centrelink? Pocket Cash has your back.

We can find a lender that can help

At Pocket Cash, we are not a loan provider. We are a lender finder. Although we can’t grant you a loan ourselves, we can guarantee that we will do our best to find a lender who will. As your pocket pal, we want the very best for you. We can’t promise that we will approve every applicant but we will try our hardest to give you a fair go.

We believe in 100% transparency. If you don’t qualify for a cash loan or decided not to go ahead with it, you won’t be charged a thing. The best part is Pocket Cash is 100% online and is a completely free service whether you are approved for a loan or not. That means absolutely everything can be done from the comfort of your own home.

Apply today!

So if you have bad credit and you’re ready to find a lender, apply today! Have some questions about our lender-finding service? Send us a message! If you contact us outside of our business hours we will do our best to get back to you the next business day.

Looking for emergency loans for bad credit? Pocket cash can find you a suitable lender!

Why choose Pocket Cash?