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Personal Loan Pal
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$1500
Weekly
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 unsecured personal loans with very fast approval?

Do you need a quick loan to cover your expenses? Worried about bad credit and wondering where to find the loan you need? Bad credit unsecured personal loans with very fast approval could be waiting for you. We cannot guarantee a lender will approve your loan, however, we’ll do our best to find you a lender that can offer bad credit loans.

We’ve helped customers across Australia to find a lender. We work with lenders that look beyond bad credit. You might think applying for a loan was pointless because of your credit scores, however, you haven’t met us yet! We can find lenders that look at more than just your credit score. They can also look at your current relationship with money.

We know how frustrating it can be when there’s something you need to pay for, but you don’t have the money. No matter what comes up and needs paying for, we’ll do our best to help you find a lender. The possibilities are endless!

Loans, Loans, Loans!

It could be a sudden toothache that turns into an expensive root canal. A bad knee that ends up needing physio. What about a long year that needs to end with a great holiday? That’s a necessity too! Right? We think so! That’s why we can find you a lender that can offer anything from a travel loan to a dental loan.

We all need a break now and then, but holidays don’t come cheap! Thing is, where is the money going to come from if you have bad credit? If you find yourself with less-than-perfect credit, then you may be looking for bad credit unsecured personal loans with very fast approval. Well, we cannot guarantee approval, but we can find you a lender that offer bad credit unsecured personal loans. You don’t need perfect credit to get the cash you need!

Take the holiday you deserve with fast unsecured loans for bad credit customers

Like most Aussies, you love your annual holiday. But affording one is becoming more and more difficult for most of us.

There’s nothing like spending a week on the camping trail. Relaxing on a lounger at the beach while your every need is taken care of.

There are so many benefits to taking an annual holiday with your family, and some of them last the whole year round:

  • You’ll destress! Relaxation improves your physical and mental wellbeing.
  • Spending time with your family in a relaxed atmosphere strengthens relationships.
  • Seeing a new part of Australia or a foreign country gives you a fresh take on life.
  • You’ll have time to put the last year in perspective. Then plan for even better things next year!
  • A new destination can be a fresh start for couples or families. A well-needed break from the stress of your regular routine.
  • Did we mention the pure pleasure and enjoyment of being on holiday with the family? That must be good for you!

Our daily lives are full of stress, deadlines, and office politics. Much of the time our kids don’t have it any easier at school.

Getting away from your daily routine as a family means getting away from your daily stress. It’s the perfect chance to relax. Reconnect with your partner and kids and get everyone back in the right space for future success.

Taking a well-deserved trip is the best thing you could do for your family this year. Now you have to pay for it! That’s where we come in.

Bad credit unsecured personal loans with very fast approval – where do I find one?

If you’re keen to get your holiday booked, you’ll need to have some cash on hand to pay for it. For most people, that kind of money isn’t lying around the house. A personal loan could be the best solution. But what if you have bad credit?

If your credit score is less than perfect, we have two things to tell you.

First, you’re not alone! Second, there’s no reason why you still can’t apply for a loan!

Does your dream of a white beach, blue seas and cocktails by the pool vanish when you get your loan application results? We can help!

We’re great at finding lenders for our customers with lenders who may be able to offer the loan they need. So, if you’re looking for bad credit unsecured personal loans with very fast approval, don’t waste time at the loan office, we may be able to find you a lender that can offer bad credit loans.

No stress over your credit score, and no more sleepless nights!

The main difference between Personal Loan Pal and other loan websites is that we’re not a loan provider at all. Think of us as a celebrity matchmaker, and you’re the celebrity!

  • Our business is helping customers like you find lenders.
  • We work with some of the best lenders in Australia. Lenders that can offer fast unsecured loans for bad credit customers
  • We can’t promise that your loan will be approved. We can but do our best by only sending your application to lenders that won’t discriminate. Especially against bad credit customers

Don’t apply for dozens of loans and be rejected. Let us find you a lender that understands the needs of real people. Real people like you!

Skip the drama of applying for hundreds of lenders, instead simply fill out our application and we’ll do our best to find you a lender that offer bad credit loans.

Are you sick and tired of lengthy applications? Beating around the bush, and being rejected because of your credit score? Then you’ve come to the right place. Our loan application process is fast, easy, and 100% online. You can complete it in minutes! Here’s how it works.

Bad credit unsecured personal loans with very fast approval – and a super-fast application time!

So, you’re ready to apply for a personal loan. What’s the first thing you want to do? Spend hours uploading documents? We didn’t think so.

Our application process is designed for speed and hassle-free enjoyment.
That’s why we’ve taken the paper out of the picture! When you apply on our website, you won’t need to spend ages uploading documents. It’ll save you time. Even put you in a great mood! And we can get on with processing your application faster!

For bad credit unsecured personal loans with very fast approval, apply through Personal Loan Pal if you’re:

  • Over 18 years of age,
  • An Australian citizen or permanent resident
  • Employed or receive a Centrelink income,
  • Have a bank account,
  • Can provide a valid phone number.
  • Now, wait a second! That makes it sound like almost anyone can apply!

    It’s true. We’ve helped many Australians, in all different situations to find personal loans. And we’re waiting to help you too!

    If you meet the requirements we mentioned earlier, you’re ready to hit our website and apply. Here’s how it works.

    Choosing your loan amount and repayment time

    The first thing you’ll see when you visit our website is the loan application tool. Go ahead and fiddle with it!

    There are two sliders you can move around. One for the amount you’d like to borrow, and another for the time you’ll take to repay it.

    • The more you borrow, the higher your monthly repayment will be.
    • You can reduce your monthly or weekly payment by choosing a longer repayment time.

    Once you’re happy with your loan amount and repayment time, you can click “Apply”. Then you can move on to the next stage of our application process!

    Just remember any costs displayed on our loan calculator are simply a guide. All costs are subject to individual lenders.

    What info do I need to provide?

    If you’re looking for bad credit unsecured personal loans with very fast approval, we may be able to help. But you’ll need to tell us more about yourself when you do.

    During stage two of our application process, we’ll ask you to provide:

    • Proof of identity,
    • Proof of income: details of your job, employer’s name and address,
    • myGov credentials: if you receive a Centrelink income,
    • Internet banking details: this is so we can verify your income,
    • The reason you’re applying for a loan?

    You can provide all this info 100% online using our application form. No documents needed!

    As soon as we have the details we need, we’ll get to work processing your application. If we need any extra info, we’ll be in touch. Make sure the phone number you provide us with, is valid and working!

    We’ll let you know if we believe your application has a chance of being approved

    If our personal loan pals feel you have a good chance of being matched up with a lender – we’ll send your app on. Our pals at the lending companies we work with will be in touch. Again, that valid phone number is a must!

    There are times that your financial situation makes a successful loan application unlikely. If so, we’ll level with you and let you know ASAP, so you can go to plan B.
    Your lending company may ask you for some more information. Copies of your ID documents or pay stub, for example, so keep these handy in case.

    Many of the applications we send on to lenders are approved. Hopefully, yours will be too! Once your lending company is ready to finalise your agreement, they’ll call you. They will explain everything in detail to you.

    If your loan is approved…

    Once you get the brilliant news from your lender that your loan is approved, you should have your cash pretty soon. It could even be on the same day!

    So, first things first. It’s time to party! Feel that stress disappear. The weight lifted off your shoulders!

    Now, before we get carried away. There are a few things you’ll need to keep in mind when it comes to repaying your loan.

    • Make sure you know when your repayments are due, and how much you’ll need to pay,
    • Once you know this, it’s always a great idea to pay on time,
    • If you have any questions about your loan, don’t hesitate. Call your loan provider, and they’ll assist you.
    • If you find yourself in a tight spot and think you won’t be able to repay your loan, don’t suffer in silence! Contact your loan provider to make an arrangement as soon as you can. Just make sure you give them plenty of notice.

      Once you’ve done that, you can apply to your loan provider again. The application process will be far less stressful second time around. Not only will you know exactly where to apply, but this time your credit record will be stronger.

      Don’t give up on the things you need

      Therefore, if you’re looking for bad credit unsecured personal loans with very fast approval, we could help.

      You know what you need to pay for. Now you know how to apply!

      Are you getting the workday blues? Longing for the beach or a hike in the mountains. How about some serious fun in Bali? If so, don’t let bad credit hold you back! No matter how many times you’ve been rejected for loans in the past, this time could be different!

      So, let us guide you to the right lender. No matter how bad your credit is. Our lenders may be willing to process your application!

      Bad credit unsecured personal loans with very fast approval, Australia! Apply now!

      Are you ready for the life you deserve? Tired of losing sleep over the things you need but can’t afford right now? We may have the solution you need!

      In a few minutes from now, you could be getting ready to take a life-changing call. So, head to our home page, choose your loan amount, and you could turn your finances around with one click!

      Don’t let your credit score hold you back. Apply for your personal loan today!

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