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Bad Credit Loans

Bad Credit Loans For People With Poor Credit

Need cash fast but have bad credit? If you’re struggling to find a lender who will give you a loan, bad credit loans are a good solution. At CashnGo, we’re there for you when you need to borrow money quickly, providing fast cash whilst you’re in a sticky situation. Hearing ‘no’ from your bank and other high-street lenders can be worrying, but we may be able to help. Our service provides loans for people with bad credit, giving you a financial lifeline when other lenders won’t.

CashnGo bad credit loans have been designed to be affordable, convenient, and fast. Our online application process makes obtaining a loan simple. All you need to do is submit some personal details via an online form. There is no paperwork involved and the entire process can be completed within a couple of minutes.

Effortless Process

Our loan application takes about 5 minutes to complete. We have made the process simple and effortless. 

Secure Application

We know security is important and we can assure you all of your details will remain 100% confidential.

Outcome in Seconds

Our intelligent technology aims to provide you with a quick decision.

Instant Funds Transfer

Upon approval of your application, your money will be transferred within seconds (bank transfer delays may apply). Happy Shopping!

What Is A Bad Credit Loan?

A bad credit loan is a personal loan given to someone with a poor credit history. These types of loans are typically small in size and are unsecured, which means they do not require any security.

If you’ve had bad credit in the past or you have little to no credit history, you may struggle to find a lender who will give you credit. Whether you have missed payments on credit agreements in the past or you simply don’t have enough credit history, many lenders won’t feel comfortable extending credit to you. They may question whether you can make the repayments and if they’ll ever receive their money back. Fortunately, at CashnGo, we can provide small loans for bad credit, giving you quick cash when life’s little emergencies arise.

If other lenders have said no, why not start our simple online application process? The cash you need could be in your bank account within seconds. Our personal loans for bad credit can help you pay for those unexpected expenses, giving you breathing space and reducing stress.

Loans For Bad Credit With No Hidden Fees & Fast Approval

CashnGo makes obtaining a Bad Credit Loan simple. As one of Australia’s largest non-bank personal loan lenders, our online application system and fast loan assessment means you can obtain the cash you need quickly, even if you have a poor credit history.

Why get bad credit loans?

Not everyone can have a sparkling credit history. You may have needed to borrow money in the past and then struggled to pay it back. There could be any number of reasons for this, such as unemployment or illness. However, this can impact your credit score, making it difficult to obtain new credit. This can be stressful, particularly if unexpected costs have arisen and you need to borrow money quickly. Our bad credit loans are a good solution, with flexible repayments making paying back the money simple and stress-free.

Another reason why you might be looking for bad credit loans online is that you don’t have any credit history at all. This can occur if you’ve never used credit before, with lenders unable to establish if you’re likely to pay the money it back. Whether that’s because you’re young or you just haven’t needed to, it can seriously impact your ability to get credit. This may leave bad credit loans the only option for you. You may also have little to no credit history if you’re under 18 or new to Australia.

Personal loans for bad credit can sometimes be the only option for people who can’t get a personal loan from a mainstream lender. If you need to borrow money but you’re finding all the doors are closed to you, a bad credit lender may be able to help. More and more people are choosing to get bad credit loans online with CashnGo, with the process quick and easy from start to finish.

How to get a loan with bad credit?

Bad credit history can seriously impact your chances of borrowing money, making it difficult to pay for essential expenses. Perhaps the family car has broken down, or you’re self-employed and need cash for bills whilst you’re ill. There are so many reasons why you might need to borrow money fast. It can feel like past events, which may have been out of your control, are affecting your future. You may have found yourself in a very difficult financial situation and feel like there’s no way out of it. Our cash loans for bad credit can be a vital lifeline in tough situations.

Our quick loans for bad credit are only a few clicks away, with the application process only taking a few minutes to complete. With flexible repayments letting you pay the loan back at a pace that’s right for you, getting the money you need couldn’t be easier. You can set your repayment schedule up yourself before confirming the loan, and all the costs involved are completely transparent. There are no hidden fees when you take out loans for bad credit rating with CashnGo. Start our bad credit loans fast approval process now.

Will I qualify for quick loans for bad credit?

At CashnGo, we offer cash loans for bad credit, allowing people to borrow money even when they don’t have sparkling credit reports. The only way to find out if you qualify for a bad credit loan is to complete our application process. Don’t worry though – we’ve made the process as simple and easy as possible. It takes just five minutes and our state-of-the-art technology provides an instant decision. You’ll find out whether you qualify for personal loans for bad credit in no time at all.

What can I use bad credit loans for?

Our bad credit loans can be used for a wide variety of purposes. People often use loans for:

• Car purchases and repairs
• Rental bonds
• Furniture and white goods
• Medical expenses
• Travel
• Emergency or unexpected bills

Many people come to CashnGo when they’re seeking bad credit car loans. If you need a car now, but you can’t afford to buy one outright, you’re not alone. Many Australians don't have enough cash to purchase a car, often choosing to take out a loan instead. Getting approved for a car loan can be tough when you don’t have perfect credit, but CashnGo can help. We can provide you with a same day cash loan to buy a car even when you have bad credit.

Another reason why many people take out bad credit loans is to pay a rental bond to an estate agent or landlord. A rental bond loan can help you secure your rental property and assist with cash flow during the moving process. You can pay in smaller installments rather than one big lump sum, putting much less strain on your finances.

Can bad credit loans improve my credit rating?

You may be wondering if taking out a loan can improve your credit rating. The answer to this is both yes and no, with how you manage repayments the most important factor in how it affects your credit. If you make regular payments towards your bad credit loan and don’t fall behind, your credit may improve. However, if you make payments late or default on your loan, it’s likely to have a negative impact on your credit score. Keep in mind that although taking out fast loans for bad credit may cause a small amount of damage to your credit in the beginning, this is easily recoverable if you continue to make payments on time.

How much can I borrow?

You’re probably wondering how much you can borrow when you apply for bad credit loans online with CashnGo. Our loan amounts vary from $100 to $2000, with first-time customers able to borrow up to $2,000 if they’re employed. Cash loans for Centrelink customers with bad credit usually won’t be offered more than $300 the first time they use our service. You won’t be able to apply for another loan until you’ve finalised all the repayments of an active loan. This makes sure that you don’t get into persistent debt and lose control of your finances.

How Much Does A Bad Credit Loan Cost?

We use a very simple-to-understand fee structure. All Bad Credit Loans loans will incur an establishment fee of 20% of the amount borrowed. There will also be a monthly fee of 4% of the amount borrowed for the lifetime of the loan. For additional information relating to Fees & Charges please contact our Customer Care team on 13 13 11.

What Happens If I Miss A Payment?

If there isn’t enough money in your account for your payment to be debited, you may incur dishonour fees from your bank and from CashnGo. If there are insufficient funds in your bank for an upcoming transaction, contact our Customer Care team on 13 13 11 to make other arrangements. If you are undergoing financial hardship, contact us and we will do our best to make adjustments to your loan contract.

So What Do I Need To Apply For A Bad Credit Cash Loan?


Personal details

You need to be at least 18 years old to apply for a loan. We will ask you to provide us with your personal information and also a valid mobile number and email address.


Bank details

Forget payslips, bank statements and other paperwork, our advanced in house technology enables you to use your internet banking details securely so that we can instantly verify your income and expenses all without using a third party provider.


Good Credit History

Like most lenders in the industry, we conduct credit checks, so having a good credit history will be beneficial. However, we are also more concerned with your current financial situation. We understand that sometimes, a bad credit history is caused by unfortunate circumstances, however, if you have a regular income and meet our lending criteria then you can apply for our bad credit loans.






How Customers Rate CashnGo's Bad Credit Loans

Overall Rating: 4.9 out of 5 based on 3789 customer reviews

Fast application • Outcome in seconds • Direct Lender