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.


How It Works

HOW TO APPLY

Storms don't last forever, and neither should bad times. We know that when you're in a pinch, a bad credit score can stop you from getting the funds you need to finance your unexpected expenses.

We believe that bad credit can happen to the best of people, and that getting a personal laon shouldn't be difficult because of a past mistake. When you're in a jam, make sure you make this your first stop.

HOW IT WORKS

Apply for a bad credit loan in three easy steps!

STEP 1:
Make sure you're eligible

You’ll find our basic requirements below. Make sure you meet these requirements before you submit an application.

STEP 2:
Let us know how much you need

Use our calculator to decide how much you would like to borrow and for how long. Just remember that the repayments are examples only. If you are approved your lender will be in touch to discuss your contract terms.

STEP 3:
Submit an application

Like what you’re seeing so far? Great. Fill out your application and hit apply now!

What are the basic criteria?

  • Be over 18 years of age
  • Received regular income into personal bank account for at least 90 days
  • Are an Australian resident, of have permanent residency
  • Have a direct contact number

REVIEW

Don't let your bad credit score get in your way

Why Good People Bad Credit

When we first got into the business of helping people find personal loans, we were fascinated by the amount of people whose loans were turned down because of a mistake in their past. 

These were good people, able to pay back small amounts and in need of a lump sum of cash in the moment. Some were receiving Centrelink payments, some were pensioners, but most of them just had a really bad credit history.

We couldn't handle the way they were being treated by more traditional credit providers, and so GPBC was born.