500
Weekly
Fortnightly
Monthly

Loans from $2100 and upwards require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. 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.

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% 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.

The Interest Rate for Secured Large 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.


Frequently Asked Questions

Any Questions? Feel free to send us a message!

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    Q. What does Good People Bad Credit do?

    A. Bad times don't last forever - that's the motto of our company. Sure, bad credit can be on your record for a long time, but it shouldn't be the end of your story. This website aims to provide helpful information for getting your finances back on track. Bad things happen to good people 0 bad credit can be one of them. We're here to give you the help you need.
    We've created a helpful tool for people wanting to get a quick look at the loan options available to them online. Applying with Good People Bad Credit takes just four minutes and, provided you meet the basic requirements, your application is linked up with a credit lender able to give you the loan you need.
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    Q. Who can apply for a personal loan?

    A. Need a quick cash loan? You've come to the right place. It doesn't get much quicker than this.
    If you want to apply through Good People Bad Credit you:
    • Must be at least 18 years old
    • Must have been payed regularly into a personal bank account for at least 90 days
    • Must be an Australian resident, or have permanent residency
    • Must have a direct contact number
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    Q. I've applied. What happens next?

    A. You'll get a notification letting you know if you've been provisionally approved or not. This means that your application information meets our basic requirements for eligibility and that your application will continue to be paired with a credit lender. They'll do a suitability check to finish your loan application and get you onto the official approval stage.
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    Q. What documents do I need to submit?

    A.We won't need you to submit any supporting documentation with your application. Your cried lender may need to see a few documents to verify your identity and expenses, and may call your office to verify your employment, but don't worry, they're not going to discuss your loan application or disclose any personal information with your employer.
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    Q. How do I apply?

    A. Use the form on our home page to submit your application, and we'll take care of the rest. If you have a problem with your application, want to ask a question or have an emergency, please use the contact form right over here.
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    Q. Do you offer no credit check personal loans?

    A. We offer no credit check personal loans on quick cash. We're all about lender responsibility,though, so your credit lender may do a credit check on amounts over their threshold - if you're eligible. If your credit record has some black marks on it, it's not the end of the road. Some lenders will still consider lending you the cash you need if your degailt was a while ago and you've had a spotless record since then. Apply now to find out if you qualify for a no credit check or bad credit personal loan.
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    Q. When are you open?

    A. You can submit your application anytime on our website - that's the benefit of being online. However, note taht we only process applications during regular business hours. Applying after hours means your will be contacted the next business day.
    Our hours:
    Monday to Thursday - 8am to 6pm
    Friday - 8am to 4pm EST.
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    Q. When do I get my money?

    A. Usually, depending on when you've applied and if you've signed contract fast, funds are transferred to your personal bank account in 1 hour. Check which banks your lender users if you want to find out how quickly you'll get your cash.
    If you aren't using one of the big banks, it could take up to 24 hours for your money to reflect in your account.
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    Q. I get Centrelink payments, can I apply?

    A. Absolutely. Most credit lenders assess whether what they're offering you is affordable and suitable for your individual situation and circumstances. Apply now to find out if you qualify for a quick cash loan.
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    Q. What do personal loans cost

    A. Chat to your lender about the fees and costs associated with their loans. You can expect to pay something like this.
    Some Ammount Credit Contract (loans from $300 to $2000), costs are:
    • Establishment fee: 20% of loan principal
    • Flat monthly fee: 4% of loan principal.
    • Direct debit dishonour fee: can be $20-35 per dishonor

    Medium Amount Credit Contract (loans from $2001 to $4600), costs are:
    • Establishment fee: $400 flat fee.
    • Annual Interest Rate: 48%.
    • Direct debit dishonour fee: can be $20-35 per dishonor
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    Q. How do personal loan repayments work?

    A. It's important to pay back your loan without missing any payments so that you don't get any extra fees added onto your total repayment amount. Once your loan application has been officially approved, check to see if your credit lender can help you set up direct debits that match your weekly, fortnightly or monthly income payments so that you always have funds available and aren't charged any extra dishonor fees for missing payments.
    Take a look at the costs outlines below:
    • Establishment fee: 20% of loan principal
    • Flat monthly fee: 4% of loan principal.
    • Direct debit dishonour fee: can be $20-35 per dishonor

    Medium Amount Credit Contract (loans from $2001 to $4600), costs are:
    • Establishment fee: $400 flat fee.
    • Annual Interest Rate: 48%.
    • Direct debit dishonour fee: can be $20-35 per dishonor
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    Q. What if I can't make a payment?

    A. If you don't make your repayments, you could be liable for extra fees which would make your total repayment amount much more than it needs to be. Make sure that you have your debits set up in line with your salary payments so you can be sure that there are always funds available. The fees and repayment amounts should be outlined in your loan contract - make sure you check it.
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    Q. What happens if unexpected changes arise and I can no longer make my repayments?

    A. Your credit lender can pass your account onto an extra debt collection agency. Lenders are legally entitled to add defaults to your credit history file, where they could stay for up to five years so if you think your debts will fail or your situation changes, make sure you get in touch with your credit lender as soon as possible.
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    Q. What is Financial Hardship?

    A. Circumstantial changes can be hard to avoid. If you;re unable to meet your financial obligations, let your credit lender know and visit www.moneysmart.gov.au to find out more about Financial Hardship.
    If you need assistance with Financial Hardship, you may be required to present or submit documentation to support your claim. These could be:
    • Proof that your employment has been terminated.
    • A bank statement for the previous and current months.
    • Centrelink benefit papers.
    • Proof of your bills like phone, utilities etc.
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    Q. Bankrupt?

    A. If you are in a current or undischarged bankruptcy, you may still qualify for a specific type of personal loan called a MACC.
    If you are currently in a Part 9 Debt Agreement you could be eligible for a Secured Medium Amount Credit Contract which involves you putting up some form of security like a car, boat, motorbike or caravan. These laons range from $2,001 to $4,600.
    Apply using the form above and let's find out if you're eligible for a MACC.
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    I have a loan. Can I get another one?

    A. It will depend on your individual circumstances and balances due. You may be able to take out another money with money still owed on your current loan. Your credit lender will assess loans based on your personal financial situation. Apply here or contact your loan provider directly to see what options you have available.
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    What are SACCs aand MACCs?

    A. SACCs are regulated Small Amount Credit Contracts governed by the National Consumer Credit Protection Act (2009). Their repayment terms vary from 16 days to 1 year, up to $2,000.
    A MACC loan is a Medium Amount Credit Contract, also a government-regulated product under the National Consumer Credit Protection Act (2009). MACC loans terms vary from 16 days to 2 years for $2,001 to $5,000. Secured MACCs usually use your car, motorbike, boat or caravan as security whilst the loan is being repaid.
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    I have a complaint. Who can I talk to?

    A. Well, this is upsetting. If you’re not satisfied with our services, contact us using the form on our contact page.
    We’ll get in touch with as soon as possible. Still not satisfied? Contact the Credit Ombudsmen Service Limited for an independent review.
    You can contact the Credit Ombudsmen Service on 1800 138 422 or visit www.cio.com.au for more information.
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    Once I have my money, what must I do?

    A. Your single responsibility is paying back your personal loan. You’ll need to make sure there is always enough money in your bank account to meet your repayments requirements and that, if your situation changes, you let your credit lender know as soon as possible.