Bad credit loans | Bad credit personal loans

Bad credit loans  – borrow cash with bad credit in a few clicks.

✔️ Apply in minutes with any credit

✔️ 100% online – 0% obligation. 

✔️ Connect to our trusted lender network with one simple form.


The simple and secure loan form can be filled out in a few clicks from your phone or computer. 


The 100% online process makes it simple and easy to connect with a network of trusted lenders.


Get lender approval fast from our network of lenders chosen for their cost, speed, service and much more. 

How to get a bad credit loan

It only takes a few minutes and three simple steps to get a bad credit loan.


1. Fill out the loan form online

The 100% online process is simple and secure and cuts away all unnecessary paperwork. Simply submit a loan request and get connected to our network of trusted lenders. 

2. Get bad credit loan offers

If the loan offer fits your needs, and you agree to the terms, simply sign the deal online and be ready to receive the funds. 

3. Receive your money fast

Once you have submitted an application and signed the loan offer, the money will be in your account shortly. 

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Who can get bad credit loans? – the requirements 

The requirements to get bad credit loans are very few, and anyone can apply for the loans in our network of reliable lenders. Even if you have been rejected for loans in the past, we could help you get the money you need. 

If you are wondering if you are eligible and qualify for a bad credit loan, then in most cases, you simply need to follow these few criteria. 

  • 18+ years old
  • Income
  • Australian bank account
  • Have a mobile phone and email

The requirements for bad credit loans can vary depending on the lender, but if you meet these requirements, the chances of getting loans online from our network of reputable lenders with loans are very high.  

Why use Incombi to get your next loan?

We believe money should be easily accessible for anyone in any situation. Therefore we help people find loans from reputable lenders in only a few clicks. 

Bad credit loans

At Incombi, we focus on helping people get the money that they need, no matter their credit score. 

With one simple form, you can connect to our large network of reputable lenders who provide loans for people with bad credit. Even if you have been rejected for a loan before, we could help you get a loan. 

It only takes a few minutes to apply – 100% online. 

It’s fast, simple, and easy.

Loan amount

$50 – $5000✔️


1 – 24 months ✔️


Apply in clicks ✔️


100% online – 24/7✔️

man and woman lending money online fast

No credit check loans

No credit check loans are loans without any credit check before a loan is granted. Lenders in Australia, however, perform a credit check before borrowing you money. The credit check, however is in most cases done very quickly, especially if you choose to get a loan from our reputable lender network. It is also usually a soft credit enquiry which does not impact your credit. 

It is easy to tap into our network with one simple form and save time. It only takes a few minutes, and the process is 100% online.

Bad credit car loans

Bad credit car loans, also known as auto loans, are a way to deal with the large expense of purchasing a car. A car loan can be unsecured or secured, depending on the type of loan you get. Unsecured car loans will have no collateral, meaning that the car or other assets are not used as security on the loan. A secured car loan will have collateral often on the car itself. 

Personal loans for bad credit

Personal loans are loans from a creditor such as a bank, financial institution, credit union or other providers of loans used for a wide range of personal things, such as paying bills or consolidating credit card debt

Personal loans are typically paid back in monthly instalments, and they can be both secured and unsecured. 

A personal loan can also both have a short-term or a long-term, and a small personal loan will usually have a short-term with one to a few monthly terms.  

Many personal loans will be with direct debit meaning you won’t have to worry about forgetting to pay back the loan in time during the repayment months.  

If you are looking for a personal loan and you have bad credit you can submit an application to our network in a matter of minutes. By using our lender network you save time and ensure you only get loan offers from reliable and trusted lenders. 

You can get a bad credit personal loan by following these 3 simple steps. 

  1. Apply
  2. Receive offers
  3. Sign the contract and receive your money

The process is fast and straightforward, and our service of finding loans from a reputable lender is always 100% free and with no extra fees to you. 

Cash loans bad credit

Bad credit cash loans have become easily accessible online because of the short online loan application process. 

Most cash loans are without collateral, meaning that there is no security or “insurance” on any assets such as a house or a car.  

Cash loans with bad credit are not like traditional loans from banks, where you have to wait days or sometimes even weeks to get your cash. Furthermore, you will also often have to deal with lots of time-consuming paperwork when lending from a bank. In the worst case, you will spend lots of time with the lending process only to get rejected by the bank. 

With online cash lending, you don’t have to deal with annoying paperwork since you can get bad credit cash loans 100% online. In other words, you don’t even need to leave your home to get fast cash loans. The process is fast, and so is the transfer of money. Many bad credit loans online provide same day loans depending on the time of your application.  

You can fill out a short application and tap into our network of lenders with cash loans in only a few clicks. This way, you can be sure only to receive cash loan offers from a reputable lender – fast and easily. 

Payday loans bad credit

Payday loans, also known as pay loans or payday advance, are short term loans often paid back in a single instalment. 

Bad credit payday loans are a popular way to borrow cash online before payday because of their loose requirements and fast processing online from payday lenders. In general, payday loans do have a higher interest rate (APR) in comparison to other types of online loans with a longer repayment period. Many people, however, still prefer to get a payday loan because of the convenience and because they don’t want to be in debt for a long time. 

Payday loans extend your credit till your next pay when you can repay the loan. Payday loans are mainly used to pay bills and other expenses but you can use them for exactly what you want. 

Small loans for bad credit

Small bad credit loans are popular because they make it possible to borrow small amounts of cash fast and simply, even with bad credit.  

You don’t have to deal with time consuming paperwork – because it only takes a few small clicks to apply for small loans. 

You can get started today with a small bad credit cash loan starting from a loan amount as low as $50.

Simply choose the total loan amount and the repayment period (terms) you want for the small loan, and submit a short loan application. 

This way, you save valuable time and ensure you are only getting small loan offers from trusted lenders in Australia. 

Same day loans bad credit

Same day loans bad credit are an easy and fast way to get cash for any purpose as fast as the same day.

A same day loan can be obtained in only a few clicks – 100% online. 

If you need money for unexpected bills or any other situation, same day loans can help you get funds to your account as fast as the same day. 

With one simple loan application form, you can get access to our network of reputable lenders, no matter your credit. 

It is fast, simple and easy. 

Quick & fast online loans with bad credit

Do you need cash, but you don’t have perfect credit?

Then you are only a few clicks away from quick and fast online loans with bad credit from our network of reliable lenders. 

With our processes, it is fast, simple and easy to borrow cash through our network with trusted lenders with fast and secure loans.  

One simple form gets you access to the network in minutes. Our service is completely free to use and 100% online. 

You are welcome to apply, no matter your credit. 


Questions about bad credit loans:

Before you get a bad credit loan, it can be a good idea to get all your questions answered. We have selected some of the most common financial questions about bad credit loans right here:

What is a bad credit loan? 

Bad credit loans are a type of loan, particularly for people with a bad credit rating or credit score. Many lenders will not lend money to people who do not have good credit. The chances of getting approved for finance with bad credit are usually lower because of the added risk to the lender. Though some specialise in lending to people with lower credit, it can be hard to find them. If you want to find lenders who provide loans for people with bad credit score you can access our network of trusted and reliable lenders with high approval rates. 

It makes the process faster and simpler by saving you lots of time. You only have to submit one simple form to get access to our large network of lenders ready with finance for people with any credit. You also make sure to only get offers from reputable lenders. You also increase your chances of getting approved for a bad credit loan. 

One form – a few clicks. 

Can I borrow money if I have bad credit? Can I apply with any credit score?

Yes, it is possible to borrow money even if you have bad credit or have been rejected for loans before. The chances of getting accepted for a loan without good credit are lower, but you can increase your chances by tapping into our large lender network with one simple form.  

If you want to find lenders who provide loans for people with bad credit, you can tap into our network of trusted and reliable lenders. Anyone can apply, and it is completely free to use our service. 

You save lots of time and ensure you only get loan offers from trusted and reliable lenders in Australia. It is free to apply and without any obligations – no matter your credit. 

Simply follow the 3 simple steps: 

  1. Submit an application with a few clicks
  2. Receive offers
  3. Sign the contract and receive your money

Can you get instant guaranteed approval with bad credit online?

Guaranteed loans are not available no matter your credit since lenders will always have to do a credit check before granting a loan. But thanks to our fast and slim processes the loan approvals are almost instant and in many cases in a matter of minutes. 

You can apply with one simple form no matter your credit since our large network has many lenders who provide loans for people with bad credit online. 

How much does a bad credit loan cost?

The cost of a bad credit loan will vary depending on many factors such as the lender, credit score, financial credit history and more. To know the exact cost of loans in your situation, you will have to make an application, which only takes a few minutes if you use our loan finder service. You can apply to see and review the loan offers in your situation without any obligations. 

One of the main things loan providers look for is your credit. Your personal credit is a dynamic range that can change depending on your financial behaviour. The most common credit bureaus in Australia are Equifax and Experian which uses these credit ranges:


Equifax credit range:

Experian credit range:

Excellent credit

853 – 1200

800 – 1000

Very good credit

735 – 852

700 – 799

Good credit

661 – 734

625 – 699

Average credit / fair credit

460 – 660

550 – 624

Below average credit

0 – 459

0 – 549

Sources: credit information such as credit range, credit score and credit tips from & 

The better the credit you have the lower the risk there is for the creditor which in return means lower interest rates, fees and costs on the loan. If you have bad credit you can improve your credit by showing reliable financial behaviour, such as paying bills, loans and credit card debt on time. Improving your credit means lower interest, fees and rates for your loans. 

No matter what credit you have, you are welcome to apply to our large network of lenders with loans. Our service is free and you can submit an application in minutes. 

What can bad credit loans be used for?

Bad credit loans can be used for anything you like here are some examples of what people use loans for.

Car repair loan

If your car suddenly breaks down and needs repair, it can be very important to get it fixed quickly, especially if you need it to get to work, visit family or do other important things. Car repairs can be very expensive, and if you don’t have a lot of money lying around car repair loans might be the last option. If you need a loan to get your car repaired you can apply to our network of loan lenders with one simple form, even if you have a bad credit history. 

Unexpected bills and emergencies

Unexpected bills can sometimes hit you at the worst possible time and put you in a harsh financial situation. Some people choose to borrow money from friends and family, while for others, that is not an option. An option to recover from hard financial periods can be with emergency loans to pay unexpected bills until the next time you get money. If you are in a bad financial situation and looking for creditors with loans, you can tap into our large network of lenders with quick and reliable loans. You can submit your personal information with one simple loan form and quickly find loans. 

Travel, goods and life improvements

If you are tired of saving up for a well-deserved vacation or you need a little extra cash to make your day better, loans can get you money quickly to your bank account. Many people choose to pay a little extra instead of having to save up month after month to get the thing they need. If you are like them you can apply to our reliable loan network with a few clicks. We try our best to help any customer, no matter their credit, so anyone is welcome to use our free service.  

Home improvement loan

Home renovations and improvements can add a ton of value to your home. But if you don’t have the money for some important and needed renovations to your home it can be difficult to get it done. One way is to save up over many months or borrow funds from personal friends or family. Another quick way is to tap into our loan finance network, which can be done in a few clicks. It’s simple, and the process is quick and easy. You can apply for loans no matter your credit with one simple form. 

There are very few requirements for personal loans online. The specific requirements will vary from lender to lender, but in general, these are the criteria you need to meet to apply for personal loans: 

  • 18+ years old
  • Income (job, Centrelink, business etc.)
  • Australian bank account
  • Have a mobile phone and email

Do you meet these requirements? If so, then the chances of getting a personal loan are very high even if you have bad credit and receive Centrelink. Personal loans online have made the process of obtaining finance quicker and simpler than ever. Today you can get a loan from your phone or computer in a matter of minutes without even leaving your home. You can tap into our large loan network with one simple form. The service is free and to no extra cost, interest or fee for the customers. 

Anyone is welcome to use our service, and we try our best to help everyone get the finance they need, no matter their credit.