Personal Finance Specialists

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Bad Credit Personal Loans

Rescue Credit can assist you with getting a bad credit personal loan if you have bad credit.  We understand that a bad credit rating is not always a real reflection of a person’s attitude or ability towards repaying their debts and as a result we have been able to assist many other people with getting a bad credit personal loan.

A bad credit personal loan is a loan that is designed for people who are trying to get back on track with their credit rating but can’t get a loan (just yet) from the banks due to bad credit rating such as paid defaults, discharged bankruptcy or other bad credit listings on their credit file.

Generally a bad credit personal loan will be for a much lower amount compared to a personal loan that you would get from a bank and the reason for this is because the finance company offering you the loan still see you as a high credit risk and they will “try you out” with a smaller loan amount first and then they may consider giving you more later on provided that you maintain a consistent loan repayment history with them for the total duration of your loan.

Bad credit personal loans are not necessarily payday loans but instead the term of these loans can be as long as 12 or more months and this gives you an opportunity to get your foot in the door with the financial institutions again and prove yourself to them.

Don’t think that just because you’re now discharged from bankruptcy or paid that recent default that you now have a “right of passage” back into the banks.  You will still be seen as a high credit risk by most banks and you may even find it very difficult getting finance from the banks again or for at least the next 3 years.

If you are approved for a lower personal loan amount from a finance company then it may be your first opportunity at restoring your credit rating and proving that you can manage finance again.  Even though it’s not what you’re asking for it may be what you need to get back on track again so that’s something you should consider.

Click Here to apply for a bad credit personal now OR Submit Your Question to discuss your scenario with us.


Rescue Credit can assist you with getting a personal loan from a main stream lender such as a bank or we have access to private funding for people that may not qualify through the banks due to a blemished credit rating.

There are two types of personal loans which are Secured Personal Loans and Unsecured Personal Loans.  Banks can be very picky when it comes to qualifying you for an unsecured personal loan because these types of loans pose a big risk in the event that the borrower (you) fails to make payments towards the loan because there is no security against the loan.

The interest rate you end up getting on your personal loan can depend on what your credit rating looks like.  Obviously the worse your credit rating the higher the risk to the bank (or lender) and in turn the higher the interest rate.

Click Here to apply for a personal loan now OR Submit Your Question to discuss your scenario with one of our personal loan consultants.

Below we have listed the different personal loan products Rescue Credit can help you with.


 Personal Loans

If you have stable employment and a clean credit file then there’s a good chance your personal loan application will be look at by a main bank.  You can use a personal loan for any worthwhile purpose such as buying a car, going on vacation or consolidating other debts.  We have provided a checklist below showing you list of information you will need to give the bank when making your application.

Click Here to apply for a personal loan now OR Submit Your Question to discuss your scenario with us


Debt Consolidation Loan

A debt consolidation loan is great for combining several other loans into a single manageable payment.  Since most debt consolidation loans are unsecured finance, the lender will look very closely at the strength of your financial situation such as your credit rating, income, employment and how well you have managed your other debts.  Obviously if you’re behind in making payments with your other debts then this can have a negative effect on the success of your new application because you may repeat that with the new loan and the banks probably won’t take that risk.

Click Here to apply for a debt consolidation loan now OR Submit Your Question to discuss your situation with us.


Personal Loans for any other purpose

Your personal loan does not need to be restricted to the above purposes, you may want a personal loan to renovate your home, use as a deposit to purchase a car or property or to get married (or divorced!).  Whatever you need it for we would be more than happy to help you apply.

Click Here to apply for a personal loan for any other purpose OR Submit Your Question to discuss your scenario with us.


Application Checklist

As a general guide you will need the following bits of information in support of your personal loan application:

  • A certified copy if your drivers license or passport
  • Two recent payslips or your latest PAYG Group Certificate
  • Your last 90 days personal bank statements showing your income deposits and general living expenses
  • Any other information the credit provider may ask for or want to verify

You won’t need these documents to apply online but they will be needed later on so the sooner you prepare then the quicker your application will be looked at.

In conclusion, whatever type of personal loan you’re looking for Rescue Credit have access to a wide range of lenders and private funds and we will work with you in getting the most appropriate personal loan so Apply Now.




Conditions may apply depending on the strength of your application and all loans are subject to lending guidelines.