Rating based on 33 reviews

Rapid Finance

  • Bad credit loans up to $30,000
  • Low-interest starting from 12%
  • Repayment up to 7 years

In-page navigation

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

Rapid Finance - They are the loan specialists

There has never been a time when Rapid Finance couldn’t help its customers. For many years, they have strived to reach a level of great service and satisfaction to their clients.

Dealing with many loans namely personal loans, car loans, home loans and bad credit loans, they have seen to it that they always give their clients a helping hand during their financial hardship.

Mission statement

Seeing that they constantly want to ensure they remain on top of their game, they have a review of services on dates agreed upon by the members of the board. This is where they check if they are still pushing the mandate and if there is any aspect where they are lacking, they try to do everything in their power to ensure that they fill the gaps.

They also have the availability of information for anything related to your personal loan. Their consultants are a phone call or an email away from answering all your queries.

Scholarships on offer

Education is important to them. So much so that they have bursaries for students that want to pursue anything related to Finance. They believe in starting and having a solid accounting foundation at an early stage. This way, you will not have any problems bettering your skills over time because you already have a strong academic background.

Fast and reliable loans

Their online loan application process takes less than 10 minutes to complete. The client has to furnish them with their personal details, employment details as well as banking details.

Alternatively, you can give them a call and apply telephonically. Seeing that this is a bad credit application, they may require their clients to produce additional documents that may help them with their loan application.


After all the paperwork is done and dusted, they will proceed to give your bad credit loan after you have electronically signed the contract and agreed to all the terms and conditions stipulated in the agreement.

Financial strengths

At Rapid Finance, they give you your very own financial specialist who will serve as your advisor and help you recognise your financial strengths while you work on your weaknesses.

The strengths of a client could be a combination of any of the following:

  • Employment
  • Fixed income
  • Australian residency
  • Trying to meet financial obligations on time

Rapid Finance – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 1248% p/a
  • Loan Amount up to $30,000
  • Repayment 1 year to 7 years

Benefits of Rapid Finance

  • Apply online and get approved fast
  • Use their debt consolidation loans to become debt-free
  • Hassle-free bad credit loans

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.

Rapid Finance - They have the fastest loan approval times

There could be a number of other reasons that make your loan application work in your favour, you just have to be willing to be patient.

Instant decision on a bad credit loan

It is important to understand that a bad credit loan is not the easiest loan to apply for nor is it the easiest to be granted. There are a number of additional processes that need to be accessed seeing that it is a bad credit loan so it will not be as easy as pie to get an instant decision on a bad credit loan application.

Bad credit loan calculator

By using a loan calculator to determine the amount you qualify for, you will have a better view of how much money should you pay back on reasonable periods agreed upon with your financial services provider. By calculating the money you can potentially get from a short-term loan, you are ensuring that you don’t loan too much or too little but an amount that is just enough to take care of your emergency.

Never borrow an amount that will be too difficult for you to pay back. They are trying to build a relationship that will be effective and long-lasting with their clients, not a relationship that will be short-lived due to being a bad payer.

Bad credit case studies

They have a number of real stories shared by people who have been assisted by Rapid Finance. There are many clients who thought lenders and financial brokers would never look at their applications due to their credit profiles. They have been honoured to be the barrier to the good news by always showering their customers with bad credit loan approval news.  There was nothing that could have stopped their clients from being granted a loan even if they have a bad credit record. They are people who believe in giving people second chances and once they do, they know they live up to their promises by ensuring that they never skip their financial obligations and they maintain a clean sheet.

man holding thumbs up

Rapid Finance is a trusted & reliable provider of bad credit loans

In our review, Rapid Finance 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.

✅ Rapid Finance is a registered credit provider in Australia: ACL 392965

Customer Reviews & Testimonials

July 2018

Rapid Finance has the most affordable credit plans. Any household can afford their loan.

Timothy A
— Orange —

October 2018

I was told that my loan application was approved on the very same day I applied for credit!

Charlotte S
— Newcastle —

April 2019

Rapid Finance will always go out of its way to ensure that you get yourself a loan you will gladly pay off on a monthly basis.

Emily T
— Brisbane —

Rapid Finance Contact

Physical Address

Opening Hours

  • Monday 08:30 – 18:00
  • Tuesday 08:30 – 18:00
  • Wednesday 08:30 – 18:00
  • Thursday 08:30 – 18:00
  • Friday 08:30 – 18:00
  • Saturday 10:00 – 16:00
  • Sunday – Closed