Rating based on 22 reviews


  • Bad credit loans up to $10,000
  • Low-interest up to 48%
  • Repayment up to 36 months

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Author Credit24. Screenshot of Credit24 website.
[Accessed May 3, 2023]

Credit24 - Loans up to $10,000

Credit24 is a financial services provider that offers fast loans from $100-$10,000. It is very difficult finding a loan that suits every client.

However, at Credit24, they help students, Centrelink beneficiaries, part-time employees and even self-employed employees. This way, they are doing their bit to ensure that all their clients are assisted no matter who or where they get their means of income.


Although they have all the categories of people that can apply for their emergency loan options, they know that some people may be interested in their plans but may not necessarily apply. Therefore, should you not be part of the mentioned category, they will do the best they can to ensure that you get a loan with them regardless of the situation. They are not saying they will break any rules for their customers, however, they will try to meet their clients halfway.


They have a wide variety of customers that they assist. It is on very rare occasions that clients will encounter bad service with Credit24. The testimonials that they read on their website keep them going. They make them find pride in helping others and ensuring that all their financial needs are taken care of.


There is a certain criterion that is done before they can process your short-term loan. However, if your income is solely based on Centrelink benefits, you don’t qualify for a Credit24 loan.

Same-day loan payouts

Clients are given the opportunity to see all the amounts that are available and which payment plan is affordable.

This way, they are the ones making the decision as opposed to the lender making the financial decision for you.

Online application

Everything you complete in the online loan application will determine whether or not the loan gets approved. Therefore, it is important that you complete true and accurate details of yourself and your financial capacity.

Approved loans can be paid on the same day

Once everything has been approved, your loans will be paid out on the same day on the bank account you provided them with.

On the other hand, if you are not granted a bad credit loan with them due to extensive bad credit records, they will also notify you so you can go and fix what needs to be fixed and hopefully come back at a later stage.

Bank statements

Bank statements are required by them and they work with a credible company called Credit Sense. By asking for your bank statements, they want to have a clear picture of your monthly expenses and see whether you qualify for the personal loan options you have chosen.

Furthermore, they want to confirm the information that was sent to them during the loan application process.

Credit24 – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 48%
  • Loan Amount up to $10,000
  • Repayment 3 months to 36 months

Benefits of Credit24

  • Unsecured loan options
  • Apply 100% online
  • Get a reliable loan with a bad credit score

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Credit24 - Loans for people with bad credit

Clients are more than welcome to apply for a loan outside business hours. However, the loans will only be processed during our normal working hours.

Cancelling a Credit24 loan

Should you change your mind about getting a personal, student or blacklisted loan with them, you are more than welcome to cancel the payment plan. However, you can’t cancel the loan after you have signed the contract and the money has been deposited into your account.

Receiving funds

If the bad credit loan was approved before 3 pm, the money will be deposited into your bank account on the same business day. Alternatively, if the loan was processed later, the money will be available on the next business day.

Changing payment dates

Changing your payment arrangements can be prescribed. However, there are a series of steps that need to be followed and adhered to. On the other hand, if you are facing financial hardship, you need to notify them as soon as possible and not wait for the agreed payment date because if you find that your bank account has insufficient funds, they will deem it as a missed payment.

Early repayment

Should you wish to pay your payday loan earlier than the agreed date, you are more than welcome. In fact, there are no fees that you will incur and this may boost your profile for future loan applications that you may have with them.

Customer Care

They have friendly consultants that are available from Monday to Friday from 8 am – 10 pm and 9 am – 5 pm on weekends. Their agents are just a phone call away should you have any queries regarding your loan and paying it back.

  • Phone: 1800 091 967
  • Email: info@credit24.com.au

Credit24 private policy

Since they believe in transparency and honesty, they decided it would be best if they had their Private Policy for the viewing of every customer as opposed to them having to read it for you. This way, every client that wishes to engage in service with them will know the terms and conditions that they offer and won’t be surprised by hidden fees that miraculously appear on the day of the payment date.

man holding thumbs up

Credit24 is a trusted & reliable provider of bad credit loans

In our review, Credit24 adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Credit24 is a registered credit provider in Australia: ACL 422839

Customer Reviews & Testimonials

September 2018

At Credit 24, I was given the best suitable loan for my budget.

Mia A
— Perth —

October 2018

Applying for a loan at Credit 24 was easy and straight forward.

Thomas W
— Canberra —

June 2019

Credit 24 has the most affordable interest rates!

Zoe S
— Bunbury —

Credit24 Contact

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Physical Address

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday 09:00 – 17:00
  • Sunday 09:00 – 17:00