Rating based on 19 reviews

Low Income Loans

  • Bad credit loans up to $5,000
  • Low-interest starting from 48%
  • Repayment up to 12 months

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Low Income Loans homepage
Author Low Income Loans. Screenshot of Low Income Loans website.
[Accessed May 3, 2023]

Low Income Loans - They give fast financial assistance

Getting financial assistance for Australians has become the easiest thing with so many online loans available to all. What used to take days and even weeks on end can now be completed in a split second.

At Low Income Loans, they understand that not every day will be as good as payday but they are confident that the people that they help always feel like a financial weight has been lifted off their shoulders.

Common borrowing situations may include:

There are a number of reasons why a client might feel that a bad credit loan is the only way they can survive that month. Seeing that some things happen when they least expect them, you always have to make a financial plan after an emergency.  

Examples would include:

  • Unforeseen expenses
  • Funds for vital private/domestic goods
  • Possible debt alliance
  • Therapeutic & dental expenses
  • Home or vehicle restoration
  • Long weekend/entertainment                   

Low-income earners

They believe that everyone can face financial difficulty and that is why they prioritise the clients that don’t get the best salaries. They do this so they can feel like they too, have someone who they can run to and find comfort. This is not to say they don’t offer personal loans to people who earn bigger amounts, they also welcome their loan applications.

Manage your finances wisely

They have a range of articles on the Low-Income Loans website that teaches clients how to manage their finances wisely and get a bad credit loan.

It also has financial management tips and encourages customers how to be smart spenders instead of reckless debtors that are always in debt.

Bad credit can be due to many unforeseeable circumstances, these include:

  • Getting a job – Some companies have started appraising possible staffs credit history
  • Insurance – Certain corporations may arrange for a markdown to persons with a decent credit history or greater premiums
  • Renting a home – Individuals with a depraved credit history can find it difficult to lease a household/entity, particularly when going up in contradiction to a person with decent credit.
  • Purchases – Getting an agreement for a mobile, gym affiliation, store identification card, or anything related to such cards can be problematic
  • Unfavourable terms on credit – If you do meet the requirements for a personal or short-term loan, the terms committed to them will be severe and come with extreme dues and interest taxes which may often put the debtor in a most awful position.

If you have suffered from any of the above-mentioned factors, there is a great possibility that credit is a matter and the faster it is sorted out, the better.

Procrastinating will only linger the undesirable features of having compromised credit.

Low Income Loans – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 48%
  • Loan Amount up to $5,000
  • Repayment 3 months to 12 months

Benefits of Low Income Loans

  • Reliable bad credit loans
  • Quick and easy loan applications
  • Low-cost credit cards

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.

Low Income Loans - Affordable bad credit loans

There has to be something slightly of more significance that makes you take out a loan.

The articles that are on the website teach you exactly that. They teach you when it is necessary to take out a loan and when is it not. If something can wait until payday, it is not worth you ruining your credit record over. However, if something is more of an emergency then it has to be done and dealt with immediately.

Debt help

Once you have gotten into debt, it is very difficult to get out of it. One debt often calls another and by the time you know it, you have five debts that you have to pay at the end of every single month and you are bound to get into more debt because you will not be able to fulfil every loan that you have to pay. Low Income Loans have a variety of ways of making their clients pay their debts in a smarter way or reduce the number of debts they have with debt consolidation.

These include:

  • Budget: The million-dollar word that people tend to forget when payday comes. When you have a proper financial plan in place, you will know how to handle your money. When you don’t have a budget, you won’t know how to use your money and this may just incur more unnecessary debts for you.
  • Sell it: Some of their clients have a number of items that are of no value anymore. When you sell the things you don’t need, you are making money for the things that you do. This way, everybody wins.
  • Debt consolidation: Combining all your debts is always a better option than paying all your debts separately. Imagine all the money you can save!

Terms and conditions

It is very important that clients read the fine print when taking out bad credit loans or any form of credit. Failure to do so will make things difficult when you can no longer live up to the financial obligations you signed up for. The terms and conditions normally state what is expected of you as a client and what is expected from a credit advance company or a lender. Once all parties have signed on the dotted line, nobody can come and say they were not made aware of their expectations because when you sign for something, you are basically acknowledging your consent on the matter.

Customer Reviews & Testimonials

July 2018

I thought I would take hours to complete my loan application. To my surprise, I was done within 10 minutes.

Evelyn W
— Brisbane —

November 2018

There are so many costly credit providers out there. Low Income Loans Australia has the cheapest interest rates ever!

Benjamin W
— Adelaide —

March 2019

It is so pleasing to see that there are still companies that go out of their way to ensure that customers get affordable loan offers.

Christopher H
— Bunbury —

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