Bad Credit Loans | Up To $10,000 | Apply Online Now!

Empty pockets?
No worries!

Empty pockets? No worries! Empty pockets? No worries!

$2,500

$300 $10,000

18 Months

13 Months 24 Months

Estimated repayments

$52.19

$104.71

$228.77

Am I suitable for a loan?

The Interest Rate for Secured Medium Loans is 48%. Maximum 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.

Pocket Cash Can Find Lenders Offering Bad Credit Loans Up to $10,000!

Pocket Cash Can Find Lenders Offering Bad Credit Loans Up to $10,000!

Where can I get bad credit loans?

If you have bad credit and are in need of some extra cash, bad credit loans could be what you’re after! At Pocket Cash, we can find lenders offering loans for people with bad credit. These loans range from $100 to $10,000 and have varying repayment terms depending on the model. Whether you’re looking for small loans for bad credit or larger personal loans for bad credit, apply with Pocket Cash! We’ll do our best to find a lender offering online loans for bad credit.

What are bad credit loans?

Bad credit loans are loans for people with bad credit. In the world of bank lending, getting a loan when you have bad credit can seem just about impossible. When you apply for a loan with a bank, your credit score is one of the first things they look at. They use this score to gauge whether they think you will be able to repay the loan. A lower credit score can mean pricier loan terms, or they might even outright reject your application as they view you as too much of a risk. If you have bad credit and you’re searching for a loan, you might face some difficulties along the way but by no means will it be impossible.

Despite this, bad credit doesn’t necessarily mean that you’re incapable of making your repayments. It’s entirely possible that you have adequate money in the bank to repay your loan, but your credit score is still suffering from incidents that happened years ago. That’s where bad credit loans come in. Banks aren’t the only ones that provide loans – there are plenty of online lenders out there as well. These lenders focus less on your credit score and more on your current financial situation and ability to afford bad credit loans.

If your credit score isn’t the best, bad credit loans could be what you’re after.

What is bad credit?

Bad credit refers to your credit score. Everyone has a credit file, and your credit score is a number that indicates your creditworthiness. Think of it as a grade on a report card. If you have bad credit, this number will be low. But how exactly does someone get bad credit?

A number of different factors can contribute to a bad credit score. For instance, if you miss a payment for a bill, your rent, or perhaps a loan you’ve taken out in the past, this will go down on your credit report. Even a late payment can negatively influence your credit score. Not only that, but this information can remain on your credit report for years. Even if your financial situation has improved since then, you could still have a bad credit score because of something that happened years ago.

This is why it’s important to stay on top of your credit score and check it regularly.

How do I check my credit score?

In order to get your credit score, you’ll need to apply for a credit report from one of the credit reporting bureaus. In Australia, we have four: Experian, Equifax, illion and Tasmanian Collection Service. As you might have guessed, the last one is only applicable to residents of Tasmania. A credit reporting bureau is simply an organisation that collects and distributes data from credit providers that is relevant to a potential borrower’s financial history.

As with many things, the march of technology has made obtaining your credit score faster and simpler. Not too long ago, you would have to pay a small fee if you wanted to get your credit score quickly. Alternatively, you could get it for free by waiting several days, usually upwards of a week. There are now multiple websites like Creditsavvy (Experian), Getcreditscore (Equifax), and Credit Simple (illion) that allow you to check your credit score for free.

What you’ll need to be aware of is that your credit score can change depending on the credit reporting bureau you obtain it from. Each of them has a different scale, which ranges from either 0 to 1,000 or 0 to 1,200. We’ve compiled an easy to follow table below for you to check how your score measures up.

Credit BandExperianillionEquifax
Excellent800 – 1,000800 – 1000833 – 1,200
Very Good700 – 799700 – 799726 – 832
Good625 – 699500 – 699622 – 725
Fair/Average550 – 624300 – 499510 – 621
Weak/Below Average0 – 5490 – 2990 – 509

If you find yourself down the lower end of any of those scales, it might be an idea to start some good habits in order to lift your score.

How do I improve my credit score?

Having bad credit isn’t all doom and gloom, but it’s probably something you want to start fixing sooner rather than later. Improving your credit score isn’t an overnight process; the key is consistency. For starters, it’s important that you pay your rent and bills on time. Missing or defaulting on these payments can bring your score down, so it stands to reason that keeping on top of them brings it back up.

If you have delved into the personal loan market before, you might still have some outstanding debts to repay. If this is the case, consolidating these multiple payments into one can help increase your credit score. To do this, you can take out a loan and use it to pay off the remaining debts on your other smaller loans. This then leaves you with only one set of repayments to make, and the fact that you’ve paid off your other loans looks good on your credit report. This is known as a debt consolidation loan.

If you’re looking for a debt consolidation loan, Pocket Cash might be able to help! We can make the process of finding lenders a whole lot easier by doing the searching for you. If you’re looking for a cash boost but are dreading the thought of looking for a lender, why not give Pocket Cash a go? We can streamline the lender-finding process to give you more time to focus on your life.

To find out more about credit scores, check out ASIC’s MoneySmart website.

What does Pocket Cash do?

Pocket Cash is a lender-finding service. We don’t give out loans directly, but we can connect people seeking quick cash loans bad credit with lenders who can provide them. There are plenty of online lenders out there that offer bad credit loans. While having all those options is nice, it can also be difficult to sort through them. Rather than searching for “bad credit cash loans guaranteed approval” or “same day loans bad credit” in a rush to get your cash, apply with Pocket Cash instead!

With Pocket Cash, you can boil several online applications down into just one. Simply take a few minutes to fill out our application form and your work is done! Then we’ll take over and begin our search for lenders. If we find one for you that can provide fast cash loans bad credit, we’ll put you in touch with them as soon as we can. We’ll leave you with them to continue the bad credit loans process, while we get back to finding lenders for our other customers. It’s that easy!

Who can apply with Pocket Cash?

We think our lender-finding service is pretty helpful, so we want as many people to be able to use it as possible. That being said, we still have a few eligibility criteria for our customers. Don’t worry! We don’t make you jump through hoops. We just need to make sure you meet these standards so that we can conduct our lender-finding process.

You must:

  • Be 18 years of age or over;
  • Be an Australian citizen or permanent resident;
  • Have received a regular income into a personal bank account for at least the past 90 days;
  • Have a valid phone number and email address.

That was easy, right? We can even help those looking for lenders offering loans for pensioners with bad credit! Checking off these boxes means that we should have all the information we need from you to start looking for lenders. First, you’ll need to fill out an application on our website. Check out the slider at the top of our page, and adjust it until you have your desired amount. It will give you an idea of what your repayment period and fees could look like. Then, simply click Apply Now.

Once you do that, you’ll be taken to our application form. Our entire process is 100% online, so you don’t have to waste time, money or paper printing out pages of paperwork simply to sign it and send it off. This also means that it’s quicker for everyone! In fact, you can complete the application form in just a few minutes. Once you’ve submitted it, we can start our search for lenders. Should we find one for you, we’ll connect you with them promptly. That’s how Pocket Cash works!

Why should I choose Pocket Cash?

There are heaps of reasons why we think our lender-finding service is so great. While we could go on about it all day, we know that’s not what you want – you want to find lenders offering bad credit loans! If you’re still on the fence about whether you should apply with us, we can help. Here are three of the biggest positives of using our lender-finding service.

We can save you time

Your time is precious, and we respect that. That’s part of the reason why Pocket Cash exists – because there are people who want loans, but don’t have the time to look for them. If you’ve had a long day at work or you’ve got exciting things planned, the last thing you want to be doing is comparing lenders. There simply aren’t enough hours in the day to properly research every lender that pops up when you search “fast loans bad credit.” Instead, simply apply with Pocket Cash and we’ll do the lender-finding for you!

100% online applications

At the heart of our service is convenience, which is why we do everything online. With life moving as fast as it does, it can be tough to find the time to get a loan the old way. This involved making an appointment, going to the bank, waiting in line and having a meeting about your potential loan in-person. All that hassle when you already have so many things on your plate.

Our application process is simple. You can apply on your phone, tablet or computer, and there’s not a single piece of paper involved. We only ask for the details we need, so you can be done in a few minutes.

Fast outcomes

If we find a lender for you, we’ll put you in touch with them ASAP. No messing around.

Apply with us today!

For those who need a cash injection but don’t have an immaculate credit score, bad credit loans can be an ideal solution. Whether you’re after a small, medium or large personal loan, quick loans bad credit could only be a few clicks away. We’ve talked ourselves up a lot, but at Pocket Cash, we back that up with our stellar lender-finding service. If you’re looking for a lender and want to jump the queue, why not apply with Pocket Cash? We can find lenders fast to help you on your way to getting a loan.

If you haven’t quite made up your mind yet and want some more information, you’ve come to the right place! Here on our website, you can find out more about our lender-finding service and how it works. Over on our About Us page, you can find out about the ethos behind Pocket Cash, and the Costs section can give you an idea of what your loan repayments might look like. If you have any questions, you might find the answers on our FAQs or even contact us directly. We’d love to help you out!

So if your pockets are a little empty and you’re on the lookout for a lender, Pocket Cash is the way to go! We can help make the stress of finding lenders on your own a thing of the past. Apply today!

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Why choose Pocket Cash?