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Bad Credit Loans

Everyone is likely to go through hard times at least once in their life. People might find themselves facing several problems such as unemployment, medical bills, and so on. With personal debts looming behind every corner and the threat of bankruptcy at hand, what can be done? Thankfully, there are several ways for those with bad credit to take care of these difficulties and move forward with their lives.

Bad Credit Loans – Check your Credit Score

What Are Bad Credit Loans?

Bad credit loans, or no credit check loans, are unsecured personal loans given to people with bad credit rating. Generally, borrowers with bad credit score can still be approved for these loans if they have a steady income source. Each lender has its criteria for approving a loan application. It would be best to find out what it is before applying for one.

How Do Bad Credit Loans Work?

These types of loans don’t require perfect credit to be approved. Instead, your acceptance is based on factors such as your employment status, income levels, financial obligations, and other markers of your ability to pay the money back.

Bad credit loans are a great option for people who have struggled with their debt in the past but have been able to get themselves on a better track. In most cases, you can start borrowing money after being approved for bad credit loans within 24-72 hours when using an online application process.

Types Of Bad Credit Loans

There are actually more variants than one can imagine when it comes to bad credit loans. The most common ones include:

1. No Guarantor Loans

If you don’t have someone who can sign for you or serve as a guarantor, these kinds of loans are perfect for you since they do not require any form of collateral aside from your signature.

2. Payday Loans

This option may not sound good to most people, but it is quite convenient since you don’t have to wait several weeks to approve your application. This also comes with very high-interest rates, so use them only if it’s an emergency. Also, you need to be vigilant about loan repayments to prevent further issues on your credit file.

3. Secured Loans

They are usually used by those who own something valuable like jewelry or a car. You can use these loans if that’s the case. The lender will ask you to keep the item as collateral for your loan if you have a bad credit report.

Bad Credit – We can help!

How Much Can You Borrow?

The amount of money you can borrow will vary based on things like your income, employment history, and credit score. In many cases, you can borrow as much as $5,000 for bad credit loans, but it’s possible to get approved even if you need substantially more money. At iWantPayday, we offer loans up to $10,000 for people with bad credit history.

How Do I Apply?

The application process will be very similar to most lenders who offer this type of service. You will likely have to fill out simple online questions about your employment status and monthly income amounts.

At iWantPayday, you need to provide the following details for quick approval of a personal loan.

  1. Name and contact details
  2. Reason for loan
  3. Bank statement
  4. Income details
Debt Help

FAQs

1. How Much Money Can I Borrow Through Bad Credit Loans?

Several factors determine how much money you can get from a bad credit loans provider.

  • First, the maximum amount is determined by your employment status and monthly income, which can be used to pay back the loan with interest.
  • Second, each bad credit loans company has its lending criteria in terms of what range of sum they are willing to give you.
  • Third, eligibility for a loan depends on your financial situation. It means that even if you are employed but have little assets or savings for collateral, it will affect how much money you can get from a lender.

2. How Long Does It Take Before I Receive The Bad Credit Loan Money?

Typically, borrowers who apply for loans need not wait long before receiving the funds. Quick Cash Loans, once the application is approved, it usually takes between one day and three days.

3. Are Bad Credit Loans A Good Idea?

Bad credit loans can be an excellent solution for people who have a poor credit score and cannot get any loan through traditional channels. Loans for low-credit individuals can also help you improve your credit rating over time.

ELIGIBLE BORROWER

WHAT WE DO AND WHAT WE OFFER

A payday loan or cash advance is a short term loan. It provides the consumer with the needed cash to use until their next payday, or over a 12 month period. The loan, plus any applicable fees, is paid back on the consumer’s next payday(This can be extended if required).
*If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1 business day, although certain banks can take up to 48 hours to show the credit.

Frequently asked questions

(CLICK TO OPEN)
Normally within 24 hours of application approval. Bank holidays, weekends and certian banks can impact delivery time up to 48 hours
Our lenders costs are the same for all states. They charge an establishment fee which is 20% of the loan amount you borrow plus a 4% monthly fee.
Yes you can. Your credit score does not always play a factor in most of our lenders decisions.

The loan amount and any fees will be electronically deducted from your bank account on the due dates. You do not have to do anything.

Please speak directly with your lender if you have any issues paying back the loan.
Fill out the easy online application and submit it. You are under no obligation at that point. You will be able to see the loan offer before agreeing to it.
All our lenders will perform credit checks but bad credit will not always preclude you from obtaining a loan

OUR SERVICES

What is a Cash loan?

A cash loan is a short term loan which can be paid off over a short period of time upto 12 months

How much can I borrow?

You can apply for $400 to $2,000. The lender will tell you how much you qualify for when you submit the application.

Fast Loan Approvals

Loan requirements are minimal. Your loan pre-approval is just a few clicks away.

Quick Cash in Minutes

If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1 business day, although certain banks can take up to 48 hours to show the credit

How It Works

If you have a cash flow problem iWantPayday.net is your best solution. A simplified application and quick approval are the cornerstones of our payday loan process.

Is my personal information kept secure?

We use the most up to date and technologically advanced equipment and software to protect your privacy.

HOW TO APPLY FOR A LOAN

Eligible Borrower:

WHAT WE DO AND WHAT WE OFFER

A payday loan or cash advance is a short term loan. It provides the consumer with the needed cash to use until their next payday, or over a 12 month period. The loan, plus any applicable fees, is paid back on the consumer’s next payday(This can be extended if required).
*If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1 business day, although certain banks can take up to 48 hours to show the credit.

Before you get started

iWantPayday.net owned and operated by Fish4Loans Pty Ltd | ABN 89 603 132 618 | Australian Credit Licence Number 474107

Register online from home on your PC or from anywhere using your mobile device.

If your application is succesful you will be presented with a loan offer subject to terms and conditions shown on the offer.

We are a Licensed Finance Broker. We do not provide any kind of credit facilities. Your request will be referred to a third party that you can deal directly with.

You will be advised of the 3rd party lenders fees and charges before signing your contract. We may receive a small fee (amount unascertainable) from these third parties for the referral.

It is recommended that you take independent legal and financial advice before taking up any products that you are referred to.

We work with a number of lenders including, Swoosh Finance, Cash Convertors, Fair Go Finance, Max Finance and many others.

IWANTPAYDAY.NET SIMPLY HELPS YOU GET THE LOAN THAT YOU NEED

Customer Services Contact

OUR LOCATION AND MAILING ADDRESS

iWantPayday.net owned and operated by Fish4Loans Pty Ltd
ABN 89 603 132 618
Australian Credit Licence Number 474107

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