Australia’s highest-rated finance brokers on Google
Can I Get a Loan with Bad Credit? Absolutely!
Yes, you can get a loan—even with bad credit! Affordable Funding connects you with lenders who understand your unique situation. Whether you need a personal loan, a small loan, or a no-credit loan, we’ve got you covered.
Eligibility is Straightforward: You need to be at least 18 years old and an Australian Citizen or Permanent Resident. Our streamlined application process could get you approved in as little as 60 minutes, with minimal paperwork and hassle. For your convenience, we offer low-doc loans to speed things up.
And with potential same-day funding, you can get the money you need without the wait!
Submitting your enquiry with us will not impact your credit score
Industry's highest approval rate for Bad Credit Loans. Here’s what we offer:
No biggie, but we’ve got the highest 5-star Google ranking in lending*
Tony was far from being helpful! He was amazing!! Tony not only helped me get a family car he helped us more than that and exceeded our expectations. More than what I asked for. Thank you Tony for helping us through an easy process. Made me comfortable and made everything clear and to my budget. Highly recommended!! So please take this review and get on to Tony as he will help you all the way. Bless you Tony from my family to yours
Thank you for helping my family out. Tony went above and beyond to secure funds for our car. Definitely 110% service and highly recommend this business. Keep up the great work. 👍
A huge Thank you to Gus for helping me get finance for my new car. Fantastic service and support, making the process smooth and stress-free. I am truly Grateful for the assistance in securing the funds for my new wheels! I would definitely recommend you to all and will be back when I need finance again.
I didn't think I'd get finance to buy a car. Ezra was amazing. He kept me informed of the progress throughout the process. He was professional and courteous & worked hard to get me the best outcome that suited my budget.
I'm ever so grateful that as of today, After being denied by few landers because of my working visa finally i got in touch with them. Thank you so much to Ezra for this opportunity. Will definitely recommend him to family and friends.
Tony, I can’t thank enough for all the help and assistance you provided me along with all the understanding you afforded me whilst assisting me in acquiring my vehicle.
Throughout the whole process Tony was so professional, confident, courteous, compassionate and committed to getting the best outcome possible for finance enquiry.
I would recommend Tony and Affordable Funding to everyone and anyone who requires funding for anything from a car to a home loan.
Thanks again Tony, I can’t thank you enough!!
Affordable funding are the best in the biz.
Having been to 4 brokers prior which were of no help due to being 5 months new to AU, Josh and Jay worked my profile to the end, managing 3 finance approvals for different options to suit multiple types of purchase.
They dug deep and were very personalized, ensuring there was a successful outcome.
Josh and Jay were extremely efficient in communication and the overall process, which made it easier, although, knowing my deal wasnt an easy one.
I would highly recommend Affordable Funding to any family, friend, colleague, considering I've had a good history of personal and business lending overseas, Affordable Funding has been the best in my experience, by FAR!
HUGE THANKS AGAIN, Love your guys work, and I will be a loyal client for anything in future.
10 Stars from me!
couldn’t recommend Gus more! he was extremely helpful, helped me understand everything i was unsure about, answered every call and was patient with me. Gus helped me get my dream car 🤩😊 will definitely be contacting him for future finance needs and will recommend him 100%!!
I didn't think I'd get finance to buy a car. Tony F was amazing. He got the ball rolling & kept me informed of the progress throughout the process. He was professional and courteous & worked hard to get me the best outcome that suited my budget.
I'm ever so grateful that as of today, I am the proud owner of this beauty. Thankyou so much to Tony for this opportunity. Will definitely recommend him to family and friends.
We’ll give you the best loan options to compare and choose from.
Bad credit loans are designed to assist those with low credit scores secure funds. While these loans may come with slightly higher interest rates, they offer a way to get the money you need. Affordable Funding connects you with the best options from our trusted lenders.
Yes, bad credit loans are legitimate financial products offered by reputable lenders. At Affordable Funding, we connect you with credible lenders who provide fair and transparent terms, ensuring you receive a genuine service.
To be eligible, you must be at least 18 years old, an Australian citizen or permanent resident, and have a regular income. While specific income requirements may vary, we strive to offer flexible options that accommodate different financial situations.
Absolutely! Bad credit loans can be an excellent way to consolidate debt and simplify your finances. Combining multiple debts into one loan can make payments easier to manage and might even lower your interest rate.
Yes, having a guarantor can improve your chances of approval and secure better terms. A guarantor agrees to cover your repayments if necessary, providing lenders with additional confidence in your application.
Interest rates vary based on individual circumstances, but Affordable Funding offers competitive rates starting from 6.19%. We leverage our network to find the best rate tailored to your personal circumstances.
Making timely payments is vital to boosting your credit score. Affordable Funding provides tips to help you manage your loan effectively. Consistent, on-time payments can enhance your score, while missed payments can negatively impact it. If you’re concerned about missing a payment, contact your lender immediately.
This page is intended for informational purposes only and does not constitute financial advice. We recommend seeking independent financial advice to ensure any refinancing option suits your circumstances.
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ABN 55 618 511 158 | Australian Credit License 517685
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