Bad Credit Loans

Bad Credit Loans

Apply Online In Just 5 Minutes

Fast Decisions. No Paperwork.

Borrow $300 - $5,000

Flexible Repayments

No exit fees or early payout fees

Receive Your Funds Same Day

To Apply, All You Need Is

Proof Of Income

Over 18 Years Old

Australian Citizen or Permanent Resident

Submit Bank Statements


Bad Credit Loans
Don't Be Held Back By A Poor Credit History

Bad credit loans could be your best option if you have a past history of not repaying your debts on time. You can still qualify for a loan, even if you believe you have a poor credit score. Are you employed or do you have other income? If so, you could qualify for a personal loan for bad credit.

Apply for bad credit loans online in just minutes

Our small loans for bad credit

Speedy can help you deal with almost any situation that requires fast cash:

Home repairs and maintenance

Medical bills and expenses

Pay overdue bills

Baby or child expenses

Pay for new furniture, appliances or decor

Emergency travel

Back to school expenses

Utility bills or rates bills

New technology (e.g. phone, tablet, laptop)

Veterinary costs

Moving or relocation costs

bad credit loans by speedy finance

Why Choose Us for Bad Credit Loans?

We offer personal loans from $300 to $5,000. Our online application process is simple and takes just 5 minutes. We process, approve and fund loans on the same day.

We Here To Help
We're an approachable and responsible lender that is focused on your needs.
Transparent Pricing
No hidden fees and charges. No early payout fees.
Award Winning Service
Get a loan from the MFAA State & National Finalists.
Fast online Application
We've made it simple to apply for personal loans.

How Do Personal Loans For Bad Credit Work?

Personal Loan Features

Fast approvals

Same day funding

Easy refinance

No exit fees

No early payout fees

Fast approval

Here's What You Need

Be an Australian permanent resident

Be over 18 years old

Proof of employment

Proof of residence

Proof of ID

Submit bank statements

Our Bad Credit Loans Approval Process

Fast, easy online applications with quick decisions — we know that time is money

1. Apply Online
Use any device to apply in just 5 minutes. No paperwork required.
2. We'll Assess Your Application
Our loan asessors will process your application and communicate with you through every step.
3. Sign Your Loan Contract
If approved you can sign online and receive your funds same day.

Customer Reviews

What our valued clients say


If you borrow between $300 and $2,000:


Establishment Fee - Up to 20% of the principal amount
Monthly Admin Fee – Up to 4% of the principal amount
Early Payout Cost – Nil
Interest - 0%


Late payment Fee – $15
Default Fee – $35


If you borrow between $2,001 and $5,000:


Establishment Fee - Up to $400
Early Payout Cost – Nil NPR (Interest) P.A: Up to 48% as defined by NCCP
Comparison Rate: Up to 65.5% as defined by NCCP*

* Differing amounts and terms can result in different comparison rates. Costs such as redraw fees or cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.


Late Payment Fee – $15
Default Fee – $35
Direct Debit Fee - $0.65 per debit transaction

Get Started

We’re here to help you.

Our application process is fast and its obligation free.