Small loans for Bad Credit

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Sometimes life can end up throwing you a curved ball and you may end up with Bad Credit. This may be reflected in your Credit File and it can make it difficult to access credit from most lenders. This is where Cash Smart can help with a Bad credit cash loan.

Have you been declined by your bank or credit union? It’s quite likely that this is due to you having a Bad Credit Score. Your adverse history may relate to something like not paying a utility bill, being late for a mobile phone payment, not making credit card minimum monthly payments or going into a bankruptcy agreement.

You can always get your credit file free of charge from one of the Credit Reporting agencies to check if you have bad credit.

What are Bad Credit Small Loans?

These are exactly as they sound, Small Loans for people with Bad Credit. From $300 up to $2000, over 4 to 24 weeks.

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Cash Smart offers a wide variety of Bad credit loans to those who have Bad Credit providing that our other criteria are met. Don’t despair, and make sure you still apply if you have bad credit.

Loan Fees and Charges

Cash Smart bad credit cash loans from $300 to $2000 over 4 to 24 weeks.

Loan Establishment Fee 20%
Monthly Fee 4%
Early Repayment Fee 0%
Dishonour Fees $20

Repayments on our $1000 loans are $60 per week.

Who can Apply?

There are some basic criteria that needs to be met, you will need to be over 18 years of age, and a Australian citizen or resident, receive regular income (e.g. wage, benefit or pension) into your bank account, have access to 3 months of online banking statements, 100 points ID, access to My Gov if you receive benefit.

Bad credit cash loans guaranteed approval

Well we cannot guarantee all loans will be approved; we adhere to responsible lending practises. However, we can promise we will look at your application no matter what your credit history and if we cannot approve a loan for you, we will endeavour to find a lender who will.  Remember everyone deserves a second go.

Do you still do Credit Checks?

As responsible lenders we will do a credit check before approving a loan. However, this does not mean we will not approve a loan if you have a problem on your credit history. We look at other reasons as well as credit files when assessing a bad credit cash loan.

Can I improve my Credit Score?

Getting a small loan with bad credit can be done with Cash Smart. However, improving your credit score is a good idea as this will allow you to apply for credit later on. There are a number of things you can do, starting with knowing what your credit score is, catching up on any defaults, making sure that all your bills are paid on time, meeting any loan repayments with your lenders.

Can I get a Same Day Cash Loan Bad Credit?

Absolutely, Cash Smart offer Bad Credit Loans to applicants as long as they meet our lending criteria. We do not rely only on your Credit Score but take into account numerous factors such as bank account maintenance, current loan history and income reliability amongst other reasons.

What if I’m Unemployed?

Loans for unemployed are available with Cash Smart. As long as you have sustainable regular income of some sort and can show that you can afford the repayments, we will take your application and give it a full assessment.