Rating based on 27 reviews

Personal Finance Australia

  • Bad credit loans up to $5,000
  • Low-interest starting from 48%
  • Repayment up to 36 months

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Personal Finance Australia homepage
Author Personal Finance Australia. Screenshot of Personal Finance Australia website.
[Accessed May 3, 2023]

Personal Finance - Loans for clients with bad credit

Personal Finance Australia was established in 1933 and since then they have been serving Australian clients with superior financial services.

They started as a small company and over the years they have grown into a reputable bad credit loan provider. They have 5 branches across the island of Tasmania, but they serve clients across Australia with their online loan applications.

Personalised loans

When you apply for a loan through them, they will do an affordability assessment. They support responsible lending and the loan amount that you can qualify for depends on your affordability assessment. A great benefit of their loan service is that they will personalise your loan according to the loan repayment term and repayment structure that suits your financial needs the best.

They are there to help

They won’t judge you on your credit history, they understand that a simple missed payment can reflect badly on your credit score. At Personal Finance Australia they strive to help every client who applies to them for a quick cash loan as long as they meet the lending criteria. The lending criteria include being an Australian resident for at least 18 years and you must have a permanent income.

Quick loan approval times

Personal Finance Australia has been the credit provider of choice for over 80 years now.

Modern technology and innovation to help them extend their reach to Australia through their online platform. You can conveniently apply for a blacklisted loan from anywhere by simply visiting their website.

Dedicated service delivery

Their clients are their first priority and they are dedicated to helping you with your financial problems. They understand that emergency costs arise at any moment and if you need money in a hurry you have no time to waste.

They cut the queues and paperwork through their online platform. The emergency loan application has been designed to be easy and fast.

Apply now online

Do you need cash fast? Did your car break or do you need emergency funding? Then visit the Personal Finance website and apply for a bad credit cash loan.

The application will only take a few minutes. What’s more, is that they specialise in giving financial assistance to clients with a bad credit history. Your loan amount will only depend on how much you can afford in loan repayments.

Personal Finance Australia – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 48%
  • Loan Amount up to $5,000
  • Repayment 30 days to 36 months

Benefits of Personal Finance Australia

  • Fast cash
  • Personal loans
  • Bond loans
  • Loan options for bad credit
  • Short term loans
  • Vehicle finance

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.

Personal Finance Australia – Instant cash in your bank account

Their loans are designed to resolve your financial problems fast and securely. The personal information you give them will never be handled by a third party.

Loan features

  • You can qualify for a loan amount between $200 and $5,000 depending on your affordability
  • You can choose a repayment term from 30 days to 36months
  • Clients with bad credit can apply for a bad credit loan
  • Flexible repayment terms
  • Low fees and rates

Low-interest rates and fees

They stand out among their competitors with their superior customer service and quality products. Another benefit of their long and short-term loans is lower fees and interest rates. This makes their loans even more affordable. With their flexible repayment structure, it will make it easy for you to budget and pay your loan on time. A missed payment or late payment will result in a penalty fee before you take out a loan make sure that you can afford it.

Do you have bad credit? Do you need a personal loan today? Apply at Personal Finance Australia for a stress-free loan application with fast loan turnaround times.

Customer Reviews & Testimonials

June 2018

Personal Finance Co is a company I can trust. I was given a loan that met all my financial expectations.

James W
— Broome —

December 2018

There is always something to learn as a customer when you apply for a loan at Personal Finance Co.

Peter K
— Brisbane —

May 2019

If you are looking for a good credit deal, Personal Finance Co is the way to go.

Oliver W
— Hobart —

Personal Finance Australia Contact

Physical Address

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed