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Personal Loan Pal
We can be your pal when it comes to finding a lender
APPLY FOR OUR LENDER-FINDING SERVICE
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$1500
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Fortnightly
Monthly

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 67.41% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% 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. Click here to see a worked example.

Looking for Bad Credit Loans Australia Guaranteed Approval?

bad credit loans Australia guarantee approval

Do you need a loan? Is poor credit stressing you out? It’s not just you! So many Australians are struggling to get access to fast cash in a financial emergency – but, help is at hand. If you’re searching for something like “bad credit loans Australia Guaranteed approval”, then we may be able to help. We cannot guarantee approval, however, we can find lenders that offer bad credit loans. So long as you meet our eligibility requirements, and have a regular income that allows you to pay back your loan, we can help.

At Personal Loan Pal, we aim to make loan finding easier, by finding a lender that can say yes. We understand that life throws curveballs, and that finances can get tight. We offer a lender-finding service for people with bad credit. and also help the unemployed or those receiving Centrelink benefits. So, if you have bad credit, then apply for our lender-finding service and we’ll do our best to help.

So, how do we Find Lenders that Can offer Bad Credit Loans?

Okay, so there are no guarantees in life – if there were, we’d all be fortune tellers! What we can tell you is that we have a very high success rate in finding loans for bad credit customers. We may not be able to offer bad credit loans Australia guaranteed approval, but we can find lenders that offer bad credit loans. All we ask is that you be completely honest about your income, expenses and financial history.

At Personal Loan Pal, we have an in-depth understanding of the loan providing industry. Our insight allows us to assess your eligibility within a few minutes. We then match you with lenders who will most likely approve your loan, even if you have bad credit.

Our success rate at sourcing bad credit loans in Australia is because we do our best to find loan providers who can say “YES”. So, if you’re looking for bad credit loans Australia guaranteed approval, then you may be able to help.

Who Can Apply for our Lender-Finding service?

At Personal Loan Pal, our application process doesn’t discriminate. Even if you have bad credit, are on Centrelink or unemployed, you are welcome to apply. But before you apply, make sure you answer these questions:

  1. Are you over 18 years of age?
  2. Do you have a mobile phone number?
  3. Does your regular income go into a personal bank account?
  4. Are you an Australian citizen or permanent resident?

If the answer is yes to these questions, then you are eligible for our lender-finding service. You don’t need to worry if you are on Centrelink. We count your Centrelink benefits (including unemployment benefits) as your monthly income. So, if you’re on the hunt for something like “bad credit loans Australia guaranteed approval,” Then, we’ll do our best to find a lender that can offer personal loans for bad credit.

Bad Credit Personal Loans of Up To $5,000

Financial emergencies come in many sizes, and we can find lenders that can offer loans from a few hundred dollars, right up to $5,000. So, whether you need to cover that utility bill before your next payday, or you need to pay for urgent repairs to your car, applying for a lender with Personal Loan Pal is easy.

Our quick online application process makes Personal Loan Pal the most convenient loan finding service. Loans from $300 to $2,000 are available on flexible repayment terms that can be paid off in 3 to 12 months.

Lager loans of $2,001 to $5,000 need security such as a car, motorbike, boat or caravan but can be paid off over 12 to 24 months.

Don’t let bad credit get you down either. When you apply, we asses you on your current financial situation. Your credit history doesn’t matter to us. So long as your income is enough to cover loan repayments, we can match you with a lender who is likely to say “YES” and grant you a loan.

Get Access to Extra Cash In A Hurry

If you need some quick cash, then you may find yourself typing “bad credit loans Australia guaranteed approval” into google. Well, stop right there. With Personal Loan Pal, you don’t have to do any of the searching. We do that for you!

Do you need cash yesterday? When you have a financial emergency, there’s no time to sit around and wait days for a solution. Time is of the essence. At Personal Loan Pal, we have streamlined our process to make it as fast as possible. We give you quick access to extra money when you need it most.

How do we find you a loan so quickly?

  1. You fill in our online application in minutes;
  2. We’ll get to work to try and find you a loan provider;
  3. If approved, you finalise your contract with the lender;
  4. Money could be in your account that same day, depending on your bank.

We understand that finding bad credit loans Australia is more stressful the longer you need to wait to get an answer. That’s why we take the hassle of out loans, by finding you a lender that can offer what you’re looking for. We’ve made it quick, easy and hassle-free to give you peace of mind and freedom from worry!

Bad Credit Loans – 2 Steps to Financial Freedom

If you’re looking for bad credit loans Australia guaranteed approval, then we may be able to help. We cannot guarantee approval, but we can find you a lender that can offer bad credit loans when you need it most. Simply meet our necessary criteria to apply, then complete our application in minutes:

  1. Fill in our online application form. Personal Loan Pal will get to work finding you a lender, that can offer bad credit loans, or quick loans, or whichever loan you’re searching for! You can then sit back and relax, whilst we do all the legwork.
  2. If we find you a lender, they should be in touch shortly. You’ll get an SMS with the name of the lender we have paired you with. The lender should phone you to finalise the details of your loan contract. If you’re approved, you should receive your funds quickly. Times may vary depending on the speed of your bank.

Now isn’t that an easy peasy solution when you’re stressed and need money in a hurry?

Can We Offer Guaranteed Approval?

We know that not everything in life is completely guaranteed, but our lender finding service comes pretty close! If you’re looking for bad credit loans Australia guaranteed approval, we may be able to give you a helping hand. So how do we do it?

Our lender-finding process ensures that you know right off the bat if you are even eligible for a loan. You don’t need to go through a lengthy application process, only to end up disappointed.

Unfortunately, we can’t find you a lender if you don’t meet the necessary requirements. You need to be over 18, an Australian citizen or permanent resident, be receiving a regular income for at least 3 months and have an active mobile number and email address.

Personal Loan Finder is an expert when it comes to the loan providing industry. We know our stuff, and we know which loan providers to match you with. We’ll do our best to find you a lender that can say “YES” and offer you a loan contract. Whether you accept it is up to you! You’re under no obligation to accept a loan contract.

The First Rule of Lender Finding: Don’t Panic!

Though that’s easier said than done, isn’t it? Cash flow problems are one of the biggest causes of stress. Many people panic in an emergency situation. Money worries cause panic to set in, which means you’re not thinking clearly. Trying to find a solution by yourself in this state, could make things worse!

If you search online for “bad credit loans Australia guaranteed approval” it’s easy to get confused by the results. Who have you applied with? Who have you heard back from? If you have a poor credit record, do you know which lenders are willing to overlook this? An already bad situation can soon become a nightmare.

Moral of the story? Don’t panic! Instead, apply online with Personal Loan Pal. With one application we can find you a lender that can offer bad credit loans. Without causing you hassle and confusion, we search for the lender so you don’t have to.

Centrelink Customers Can Get a Loan!

Isn’t that great to know? Most people think that if they are receiving benefits – especially unemployment – from Centrelink, it means that they can’t get a loan.

This isn’t true!

Centrelink offers monthly help for Australian citizens who need a little extra financial aid. We understand that this doesn’t mean you are irresponsible or untrustworthy. That’s why if you’re looking for bad credit loans Australia guaranteed approval for Centrelink customers, we may be able to help. We can find you a lender that can offer cash loans for Centrelink customers. We calculate your Centrelink payments as part of your monthly income.

It doesn’t matter if you are receiving unemployment benefits, childcare payments, disability or age pensions. So long as you’ve been receiving a regular income for at least 3 months, we can get to work finding you a lender that can offer bad credit loans.

We can Find a Lender that can Help

Here’s the thing: Personal Loan Pal is 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.

This means that you get the best of both worlds. A fast and simple online application, combined with access to multiple lenders. We can submit your information to loan providers that are most likely to say “YES”.

A Personal Loan for (Almost) Anything You Need

Money makes the world go round. When you’ve got lots of it, that’s great. But when you’re a little (or a lot) cash-strapped, it’s not great at all.

So what do you need some extra cash for?

  • School fees, excursions, books and stationery;
  • Unexpected healthcare or medical expenses;
  • Vehicle repairs, or even a new car;
  • Home maintenance, repairs or renovations.

An emergency doesn’t need to be life-threatening. Perhaps you’ve been saving for your wedding, and you find out you need to pay the photographer in advance. Or you just want to treat your family to a lovely holiday.

Whatever reason you’re applying for our lender-finding service, choose Personal Loan Pal if you’re looking for bad credit loans Australia guaranteed approval.

We’ll do our best to find you a lender that can offer bad credit loans or cash loans for customers on Centrelink.

Bad Credit and All

At Personal Loan Pal, we don’t think that bad credit should be the end. That’s why we find lenders that can offer cash loans for bad credit. One late payment from last year shouldn’t stop you from applying for some much-needed credit. And it shouldn’t be hard, either – that’s the last thing you need.

So, we’ll find you a lender that can offer bad credit loans. To get started all you have to do is fill out our quick application (it only takes a few minutes), and click submit! That’s it. Then, we get to work finding you a lender that can say “yes” when you need it most. Sound like music to your ears? Great! Simply scroll up and apply today.

Let’s stay in touch

Need more info on our loan finding service, or some general tips and tricks to make you more money wise? Read our blog or visit our Facebook page!

Example of how small personal loans work

Loan amount

$200 minimum
$2,000 maximum

Costs

Most small personal loan providers charge up to 20% as an establishment fee upfront. You’ll then pay a 4% monthly fee.

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %.

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.

Terms

12
months minumum
12
months maximum

Example:

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

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

Example of how medium secured personal loans work

Loan amount

$2,100 minimum
$4,600 maximum

Costs

Annual Percentage Rate (APR) is 48% Comparison rate is 67.41% p.a.

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

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