Can I get a loan with bad credit?

Often, yes. Specialist lenders consider past defaults, late payments and other credit issues, depending on how serious and how recent they are and your current income and expenses.

Will my interest rate be higher?

Usually, yes. Specialist lenders price for extra risk. The exact rate depends on your credit history, deposit or equity and the type of loan. We compare lenders to keep the cost as low as possible.

Can I move to a normal rate later?

In many cases. After a period of on-time repayments, often 12 to 24 months, you may be able to refinance to a standard lender at a lower rate. We’ll review this with you.

Can I get a home loan after bankruptcy?

Some specialist lenders consider discharged bankrupts and people who have completed a debt agreement, usually with a deposit and stable income. Criteria vary, so talk to us about your situation.

How do I check my credit report?

You can request a free copy of your credit report from Equifax, Experian and illion. You’re entitled to a free report from each bureau every three months.

Bad Credit Finance | 50+ Lenders, Free Advice

Bad Credit Finance: You Still Have Options

A past default or missed payment does not have to stop you. Bad credit finance is available from specialist lenders who look beyond your credit score.

We compare bad credit loans for home, car and personal finance, explain what lenders will accept and help you rebuild towards standard rates.

How we work: every application starts with a free conversation about your goals. We then compare rates, fees and features across our lender panel, explain the pros and cons of each option in plain English and recommend the option that suits you. Once you are happy, we prepare and lodge the application, follow up with the lender and keep you informed by phone, text or email until settlement.

Why use a broker? Lenders have very different credit policies. One bank might decline an application that another approves at a sharper rate. Because we work with major banks, regional lenders and specialist lenders, we can match your situation to the right policy the first time, saving you time and protecting your credit file from multiple enquiries.

Get honest advice about bad credit finance with a free, confidential chat.

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Bad Credit Finance

Finance options when your credit isn’t perfect

Defaults, late payments or a past bankruptcy don’t automatically rule you out. We work with specialist lenders who look at your whole situation, not just your credit score, for home loans, car loans and debt consolidation.

Check my options Call 0422 905 666

Bad credit finance and home loans with Kickstart Finance Group

What is bad credit finance?

Bad credit finance is lending from specialist lenders (and some banks) who will consider applicants with past credit issues. Rather than declining you automatically, they look at what happened, how long ago it was, and whether you can comfortably afford repayments today.

Because these lenders take on more risk, rates and fees can be higher than standard loans. Many borrowers use a specialist loan as a stepping stone, then refinance to a sharper rate once they’ve built a record of on-time repayments.

What we can help with

Home loans with past defaults, late payments or court judgments
Car, ute and vehicle loans
Debt consolidation to reduce multiple repayments
Refinancing away from high-interest debt
Self-employed and low-doc borrowers with credit issues
Discharged bankrupts and completed debt agreements (lender criteria apply)

How it works

Free review. We look at your credit file, income and goals, with no impact on your score.
Match. We identify specialist lenders whose criteria fit your situation.
Apply once. We submit to the lender most likely to approve, avoiding multiple credit enquiries.
Rebuild. After a period of on-time repayments, we review your loan and look to move you to a better rate.

Ways to improve your chances

Get a free copy of your credit report from Equifax, Experian and illion, and check it for errors
Pay any overdue bills and keep all accounts up to date
Avoid applying with several lenders at once
Reduce or close unused credit card limits
Build savings, as a larger deposit can open up more lenders

Honest, responsible advice

Specialist loans can cost more, so we explain all rates, fees and alternatives clearly before you decide. We’ll only recommend a loan that suits your circumstances and that you can comfortably afford.

Find out what you can borrow

A quick, confidential chat is the first step. Phone and video appointments Australia-wide.

Get my free assessment Call 0422 905 666