Bad credit loans $500–$10,000
Your history is only part of the story. Apply in about 3 minutes.
Your credit history is only part of the picture
Missed a payment a few years back? Had a rough patch that left a mark on your credit file? Plenty of Australians have, and it doesn't stop you applying. With Techno Loans you fill in one short online form, and we send it to licensed lenders who look at where you are today.
Techno Loans is a credit assistance service, not a lender. The lender assesses your application and makes the decision. Lenders still check that you can afford the loan, and some may decline.
What lenders look at today
Your income now
Regular money coming in, from work or other sources, shown in your recent bank statements.
How you manage your money
Lenders look at your everyday spending and bills to work out a repayment that fits comfortably.
Your full situation
Many lenders weigh up much more than a credit score. Lenders look at your recent bank statements, so steady recent months can help.
Why apply with Techno Loans
One form, many lenders
Skip the repetitive forms. Your single application goes to licensed lenders.
Upload your bank statements in minutes
No scanning or paperwork. You log in through a secure, read-only bank statement service and your statements are shared with your consent.
Open 24/7
Apply on your phone whenever it suits you, nights and weekends included.
Give your application its best shot
Pick the amount that fits your plans and make sure your phone number and email are spot on. Only borrow what you can repay on time. Missed repayments can add fees and may be listed on your credit file. Want to see each step? Read how it works.
FAQ
Bad credit loans questions
Can I apply with bad credit?
Yes. You can apply if you're 18 or over, an Australian resident, and receive a regular income into an Australian bank account with online banking. Each lender has its own criteria.
Will applying affect my credit score?
Techno Loans doesn't check your credit file. The lender may do a credit check, which may be recorded on your credit file.
What does it cost to apply?
You pay us nothing. We offer your application to licensed lenders, and the lender that buys it pays us a fee. Each lender sets its own price using its own criteria, so we don't know the amount until the sale.
How much can I apply for?
Anywhere from $500 to $10,000. The lender decides the amount it can offer based on what you can comfortably repay.
Related
Other loan types
Back to the Techno Loans home page or see how it works.
Ready when you are.
Apply online in about 3 minutes.
Apply for $500 Only borrow what you can comfortably repay.