Bad Credit Loans

Get a second chance with our flexible Bad Credit Loans. Loan Warehouse is Australia's trusted lending specialist for borrowers with bad credit.

Bad credit

Why Choose Loan Warehouse for Bad-Credit Loans?

Low credit rating? We understand that bad credit happens to good people. Take advantage of our extensive network of lenders when you apply for one of our surprisingly affordable bad-credit loans.


Affordable Bad-Credit Loans

Our application process only takes ten minutes, and you can start online or over the phone with help from our finance experts. After submitting the necessary financial information, most customers receive approval in about an hour, regardless of a low credit score.

Reputable Lending Network

We have a large network of over 40 trusted lenders, including the Big 4 Banks plus boutique loan providers. Your personal finance expert will help you find the best terms and interest rates for your particular circumstances. With our help, you can borrow smarter and secure a brighter financial future.

Calculate your repayments

Plug in your numbers

Your repayments would be

$45.50 per week
Apply now

Total interest payable: $1,830.56 over 5 years

Total interest payable: $1,830.56 over 5 years

Year 0
Year 1
Year 2
Year 3
Year 4

Principal remaining


Years remaining

4 years

Principal remaining


Years remaining

3 years

Principal remaining


Years remaining

2 years

Principal remaining


Years remaining

1 years

Fast and Easy Online Approval, Even If You Have Poor Credit

Progress 01

If you have ten minutes, you can apply for one of our bad-credit loans. Start your application online, or call us to have a personal finance broker help you apply.

Progress 02

Next, your broker will help you shop around and compare loan offers from our lending partners until you find the perfect terms for your needs.

Progress 03

That's it – you're done! Sit back, relax, and let your broker handle the fishing touches, including your paperwork and settlement.

What do our customers say?

From start to finish the process was made easy and without fuss

Andrew was really fantastic from beginning to end. Helpful, positive, friendly and customer service above and beyond. I'm happily going to recommend his service to all my friends and family. What a pleasure, thanks Andrew.


22 Mar 2022

Customer service was outstanding!

Was really great to meet the team of Loan Warehouse. Customer service was outstanding from Andrew who helped me with my choice of vehicle, warranty, finance and insurance. I definitely recommended them 100%.


17 Apr 2022

Have questions?
We have answers.

Find answers to our most frequently asked questions. If you can’t find an answer, get in touch. We’re be happy to help.

Call us 08 6253 4311

View more FAQs

  • Other lenders have declined me - can you help me get a loan?

  • What is a balloon payment?

  • What type of personal information will I need to provide during application?

  • What types of bad-credit loans do you offer?

  • What do I need to get financed?

  • I have paid defaults on my credit report - can I still get financing?

  • How do I apply for a bad-credit loan?