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Even online loans for people with bad credit or people with poor credit!

Need to borrow money online, borrow cash online, apply for finance online or apply for a loan online? 

Even if you need a bad credit loan or poor credit loan, apply online NOW!

Fast Caravan Insurance Loans

Fast Personal Loans

Fast Cash Loans

Fast Cash Advances

Fast Bad Credit Loans

Fast Bad Credit Personal loans

 Unsecured Personal Loans from $500 up to $3,000

&

Secured Personal Loans from $3,000 up to $5,000

These personal loans are availabe for AUSTRALIAN RESIDENTS

Term of the loan is up to 12 months

Please note that the term of these loans may be extended up to 36 months (3 years) under special circumstances

Please refer to the Loan Criteria (below) for Unsecured Personal Loans - $500 to $3,000 before applying

Please refer to the Loan Criteria (below) for Secured Personal Loans - $3,000 to $5,000 before applying

HOW IT WORKS

Loan Criteria: Unsecured Personal loans

$500 to $3,000
 

1.  General

Applicant must be an Australian resident.  

Applicant must be minimum 18 years of age.  Note:  Preferably applicants are of 23 years of age or older. 

2.   Applicant's employment & income source

Applicant must be employed for a minimum of 3 months with their current employer.  Note: Preferably applicants have been employed for more than 6 months.

Applicant's employment can be full-time, part-time or casual.

Applicant's income can be a combination of employment payments, Centrelink payments and Child Support payments.

Applicant's who are on an Aged Pension, Disability Support Pension, Single Parents Benefit or Newstart Allowance etc will need an additional source of income (due to servicability).

Child Support Payments paid directly into a bank account qualify as an additional source of income.  Family Tax Benefits paid directly into a bank account qualify as an additional source of income.  Part-time or casual work paid directly into a bank account obviously qualifies as as an additional source of income.

Note:  Where an applicant cannot meet the above income criteria, the applicant will need to submit a joint application with a co-borrower that does meet the above criteria.

3.  Applicant's minimum income

Applicant's eligible minimum weekly income is generally as follows:

Minimum weekly income for a $5,000 loan    -  $800 net per week

Please note that the above are a guide only in assisting you to choose the value of the loan that you would generally qualify for.

Note:  If you do not qualify for the loan amount requested due to servicabily (ie minimum income amount for that sized loan under your particular circumstances) you may be offered a loan of a lesser amount.

Note:  Where an applicant cannot meet the above income criteria, the applicant will need to submit a joint application with a co-borrower that does meet the above criteria.

4.  Security - Nil for loans up to and including $3,000

All loans up to $3,000 are unsecured.

 
5.  Applicant's credit history

Applicant can have paid / unpaid defaults.  These will be looked at in the context of the rest of your details on your application.

Applicant can be in a Part IX or Part X Agreement, but there needs to be a minimum of 12 months since entering into this.

Applicant can be a current Bankrupt, but there needs to be a minimum of 12 months since entering into this.  The maxiumum loan amount for a current Bankrupt is $3,000.

Multiple dishonoured payments on your current bank statements are not acceptable.

The number of dishonoured payments on your current bank statements (last 2 months) will be taken into consideration in considering your eligability for a loan.

Generally, multiple micro lenders and payday lenders on your current bank statements are not acceptable as these impede your servicabilty.

The number of micro lenders and payday lenders on your current bank statements (last 2 months) will be taken into consideration with your income and expenses in considering your eligability for a loan.

6.  Applicant's residential status

Applicant needs to own their own home in their or their partner's name or have a mortgage (paying of their own home) in their or their partner's name.

or

Applicant if renting needs to have some form of lease in their or their partner's name.  A Utility bill in the Applicant's name clearly showing proof of address will also suffice.

or

Applicant if boarding will need evidence of boarding.  A Utility bill in the Applicant's name showing proof of address will also suffice.

7.  Term of the loan

Term of the loan is generally for a period of 1 – 12 months.

The term of the loan is tailored to suit your servicability and is based on your personal circumstances.

Note:  The term of these loans may be extended for a total period of  up to 36 months (3 years) under special circumstances.

Where you do not properly satisfy the criteria listed above, you may be asked to provde security for the loan.

Where you do not properly satisfy the criteria listed above, you may be asked to provde a co-borrower (joint applicant) for the loan.

Generally, where you believe that your loan application is weak due to your circumstances, please consider providing a co-borrower (joint applicant) who is working and has a clean credit file. This will greatly assist in strengthening your application.

Where you do not have the required required income for the loan, again, please consider providing a co-borrower (joint applicant) who has the required income and who is working and has a clean credit file. This will greatly assist in strengthening your application.

Loan Criteria: Secured Personal loans $3,000 to $5,000

Refer to all critieria above for unsecured loans with the exception of the security criteria.

4.  Security - Required for loans $3,000 to $5,000

Acceptable security is a fully owned motor vehicle (preferably) or any other registered item (eg motor cycle, caravan, boat, trailer etc)

Note:  The true value of the security must be more than the value of the loan
Note:  Security can be provided by a Co-borrower (third party security eg family member, friend etc)

Where you do not have the required security for the loan, again, please consider providing a co-borrower (joint applicant) who has the required security and who is working and has a clean credit file. This will greatly assist in strengthening your application.