Loans AU can find you a lender that offers bad credit loans Australia! Our loan application process is 100% online and takes a few minutes to complete, so you can get on with your day while we find your dream lender. Apply now for bad credit loans Australia wide made easy! Swift Loans Australia provides best easy instant cash loans online, quick bad credit loans, payday and cash loans into your bank account within 60 minutes. The cost of our bad credit loans is competitive and in line with other credit suppliers. Visit our Costs page for more details. The following costs are involved: Establishment fee up to $400. An interest rate (Annual Cost Rate – APR). This is your cost calculated as a percentage of the total loan amount. Payday Loans, Bad Credit Personal Loans. Are you looking for some FAST CASH to cover an unforeseen emergency expense? We have helped many with Tax Bills, Funerals, Car insurance, Repairs, Travel Costs, Rental Bonds, Household Goods….money for any purpose. First things first – before you apply for a bad credit loan (the good kind) you’ll need to be a citizen or permanent resident of Australia and at least 18 years old. You’ll also need to have been receiving an income – whether it’s a salary, a regular Centrelink payment, or both – into a personal bank account for the past 90 days. A Spotter loan can be approved even if you have bad credit. We aim to approve loans within the hour and cash can be sent same day to you. For example, If you're after a loan for car repairs for $2500 and pass our internal checks you could have money same day. People who have bad credit aren't usually eligible for traditional finance options but can consider a payday loan if they meet the eligibility requirements. Use this guide to compare the loan options available to applicants with bad credit, the costs and repayments as well as the pros and cons of getting a payday loan.