Rating based on 32 reviews

Direct Finance Loans

  • Bad credit loans up to $5,000
  • Low-interest starting from 48%
  • Repayment up to 52 weeks

In-page navigation

Direct Finance homepage
Author Direct Finance. Screenshot of Direct Finance website.
[Accessed April 5, 2021]

Direct Finance Loans - Make us your lender of choice

Direct Finance is a lender of choice simply because we don’t make our loan application process a long and costly one.

We ensure that our clients get feedback as soon as they apply for a credit advance. Furthermore, customers are welcome to apply in the comfort of their homes or offices because everything we do is strictly online.

Right loan product for customers

Since every client is different, the loan application will vary per their affordability and suitability.

We always aim to give clients the right loan product depending on the plan they can afford. We will never give customers a blacklisted loan they wouldn’t be able to pay back in time or a plan they can’t afford.

Fixed rates and fees for your personal loan

The rates and fees you sign when you are given your contract after your loan has been approved is the same figures you going to pay throughout your entire loan. We will never increase or decrease your fees until your loan application is paid out.

A convenient loan solution

Bad credit loans have become more difficult to attain. More credit advance providers have become stricter against clients who apply for bad credit loans.

Direct Finance Loans knows that everybody can go through a financially rough time and will not hold any client liable for how they were paying their debts in the past.

Complaints and dispute resolution

As much as we try our best to ensure that clients get the best loan offers, we know that we won’t always get it right. Customers are welcome to tell us what we are doing wrong and we will try our best to fix it.

Our loans have flexible repayment terms

Clients are required to send in their bad credit loan online application. The application should comprise of the client’s personal details, employment details and salary information.

After the client has submitted their online application form, they will be requested to furnish us with their supporting documents. This is done so that we can verify if all the information submitted to us is correct.

An approval will be granted

If we find that there are no errors on your documents and everything is in check, you will electronically sign your emergency loan application contract.

It is important that the clients go through the terms and conditions before signing the contract. If he feels that the terms and conditions are not within his expenses mark, he can always decide to not sign the contract and the loan application process will not proceed.

Cash in your bank account

After you have signed your contract, the money will be deposited into your bank account. Depending on the bank you use and time you applied for the short term loan, you may get your money before the end of business or the next business day.

Supporting documents you should send via email or fax

  • 100 points of ID i.e. driver’s license, bank card, official document, birth certificate.
  • 2 latest pay slips.
  • The last three months of your bank report.
  • A bill with your title and location on it.
  • Car recording credentials (for a fortified advance).

How do I make loan payments?

Personal loans can be paid from a direct debit from your bank account. Another option could be through the process of internet banking or directly coming to the branch. Either option is accepted if it is convenient for you.

Direct Finance – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 48%
  • Loan Amount up to $5,000
  • Repayment 32 weeks to 52 weeks

Benefits of Direct Finance

  • Quick loans online
  • Fast loan approval
  • Flexible loan terms

Bad credit loan calculator

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

Direct Finance Loans - Our loans are convenient and affordable

Quick loans can be made any time of the day or night. This is a great advantage for the clients that are busy during the day.

Can I repay the loan early?

Clients are more than welcome to repay the loan earlier than the scheduled date. There will be no fees incurred.

Do you conduct a credit check?

Credit checks are only done as part of the bad credit loan application process. If there are some defaults raised on your profile, your loan application will not be automatically rejected.

Do you lend money to self-employed people?

Self-employed people can only be liable for the loan if they get paid on a regular basis.

What if I think I may have trouble making a loan payment?

If you think you will not be able to fulfil your financial obligations, you need to alert us as soon as possible. Preferably, before your scheduled payment date. If you don’t notify us on time, we will deem the loan as a missed payment. The client will be liable for penalty fees.

Personal information that we collect and hold

  • Your forename, present address preceding address details, and lessor or loan details as well as address and contact number;
  • Date of natal, sexual category, and matrimonial status;
  • Administration identifiers, for example, driver license number and permit;
  • Electronic mail address and telephone/mobile numbers;
  • Fiscal data (as well as credit history), bank account and/or credit card and references;
  • Delicate data about you in relation to assurance products or if you are seeking support with monetary adversity.

Customer Reviews & Testimonials

May 2018

Direct Finance will never give you a loan that will prove to be too costly for you to pay off.

James K
— Cairns —

October 2018

If you looking for a good credit offer, Direct Finance is your go to financial service provider.

Ava W
— Newcastle —

May 2019

There is always a benefit you get from choosing a loan from Direct Finance.

Noah A
— Bunbury —

Direct Finance Contact

Contact Number



Physical Address

Opening Hours

  • not available