Rating based on 18 reviews

State Custodians

  • Bad credit loans up to $2,000,000
  • Low-interest starting from 3.72%
  • Repayment up to 7 year

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State Custodians homepage
Author State Custodians. Screenshot of State Custodians website.
[Accessed May 3, 2023]

State Custodian - Loan with low interest rates

State Custodians is one of Australia leading lenders. With 30 years of service, they have gone out of their way to ensure that clients get the best deals as far as loans are concerned.

They are a lender that has helped many clients with their bad credit loans in the past years. Therefore, it has become second nature to them to have a voice of reason that will be able to help customers get better deals with low-interest rates.

Non-Bank lender of the year

With the title of being the leading lender for the past five years in a row voted by Money magazine, they have maintained an exceptional service that has been able to shape them into providing financial plans that can be affordable for every household.

Two minutes approval

If you want to see if you qualify for a personal loan at State Custodians, you can check online using their website and you will get feedback in a matter of two minutes. Clients are required to fill in their details and they will take care of everything from there.

Simplicity and convenience

Seeing that you are applying for a loan with the intent of receiving positive feedback, you don’t need to wait for a long time to get feedback.

Therefore, their system has been implemented in such a way that you will get a quick response and they don’t guarantee that you will always get a loan with them but they can assure you that they can do the best they can.

Fast online loan application

Clients are required to apply online for a short-term loan. There are a number of documents that have to be submitted in order for the lender to verify whether or not they qualify for the loan.

After the documents have been brought to their attention, they will verify the documents in conjunction with the electronic details they have of the applicant. If they find any discrepancies, they will abort the loan application.

Why was your loan rejected?

Should your quick loan application be turned down, you will be given a valid reason as to why your credit advance couldn’t go through. Furthermore, their consultants will be able to advise you on how you can improve your credit for future applications.

Bad credit

Seeing that everyone has encountered bad credit, it wouldn’t be fair to be crucified for something you trying so hard to change. Having said that, they welcome people who have had their fair share of bad credit. All they are concerned about is how they pay their future payments as opposed to how they used to pay before.

Self-employed clients

They encourage people to be bosses and be in a position of providing food on the table. Self-employed clients can qualify for a bad credit loan. However, there might be a greater credit check and affordability as opposed to a regular client who has a full-time job.

The reason they have to ensure that they understand what they getting themselves into is so that they don’t feel bombarded with too much debt that might be difficult to pay back.

State Custodians – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 3.7248% p/a
  • Loan Amount up to $2,000,000
  • Repayment 1 year to 7 year

Benefits of State Custodians

  • Make extra payments without added fees
  • Choose your loan amount
  • Easy and flexible repayment options

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.

State Custodians - Get a loan even if you have bad credit

Every financial service provider is constantly looking for clients that are consistent.

Working with people who will pay their dues this month and skip the next will not prove to be a good record for them and lenders will also have the urge to help them next time. The last thing a customer needs is to be turned down for an emergency loan application because they are not living up to their obligations.

Steady growth

As your salary grows and you get promotions at work that will lift your financial stability, the lenders will also be in a position to increase your loan as time goes on. All that is left of you is that you ensure that you pay your loans on time and ensure that you never skip your payments.

Early payment

State Custodians welcome early payments. In fact, when you pay your payday loan earlier than the required date, they get to see the client’s commitment towards their debt.

Late payments

They know that unfortunate things happen and may change things for you in a split second. Should a client fail to repay his bad credit loan on time, he has to notify them on time that there might be a problem regarding his payment. If they don’t tell them on time and the day finally comes when they need to pay, they will deem it as a “missed payment”. Communication is important and they will incur penalties when they miss their payment or pay it at a later stage.

Blog articles

They have a variety of articles to help their new and existing members who want to get their financial management skills in good form. Although staying on the right side of banks and credit advances companies will not happen overnight, as long as you work towards getting there, you are better than someone who is not trying anything at all. Read some of the articles they have on offer and your mentality will take a whole new route.

man holding thumbs up

State Custodians is a trusted & reliable provider of bad credit loans

In our review, State Custodians 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.

✅ State Custodians is a registered credit provider in Australia: ACL 390850

Customer Reviews & Testimonials

May 2018

I am so happy to find that there are still credit providers that go out of their way to ensure that you get the best credit deal.

Edward P
— Darwin —

October 2018

Thanks to State Custodians, I finally got a loan I can afford to pay for on a daily basis.

Stephanie W
— Alice Springs —

March 2019

There is always something you going to gain at State Custodians when you are provided with a loan. In essence, the customer always wins.

Peter J
— Gold Coast —

State Custodians Contact

Physical Address

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed