Low credit score Personal Loans

Low credit score loan calculator
$3,000
$500$10,000
Repayments
Credit History
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DISCLAIMER: This calculator provides indicative interest rate and repayment estimates across Credit24’s lending products for general guidance only. It does not constitute an offer of credit. Actual loan terms, rates, and fees may vary based on your circumstances, our credit assessment, and responsible lending obligations. The APR is illustrative and all figures are subject to change.

Life's ups and downs can affect your credit score, but it doesn’t have to hold you back from accessing the financial support that could help you move forward

Online personal loans for low credit score

Fill out our quick online loan application

We'll assess your application beyond just your credit score

If approved, you could get your funds in minutes to PayID enabled banks

Personal Loans also for people with low credit score.

We understand that life's journey isn't always smooth sailing. Whether unexpected medical bills, career changes, or past financial challenges have impacted your credit score, you're not alone. Many Australians find themselves needing a personal loan while dealing with credit history concerns.

From car repairs to home renovations, urgent expenses don't wait for your credit score to improve. Maybe you've tried applying for loans before without success, or perhaps past repayment struggles have affected your credit history. Whatever your story, we believe in looking at the bigger picture.

At Credit24, we practice responsible lending by evaluating multiple factors. While approval isn't guaranteed, we consider your current financial situation and ability to repay when assessing personal loan applications. Our quick online process makes it easier to apply, and you can get a decision outcome fast - because we know waiting only adds to the stress.

Low credit Personal Loans tailored to your needs

Small Personal Loans
  • Loan Amounts
    $500-$2000
  • Establishment Fee
    20%
  • Monthly Service Fee
    2-4%
  • Interest
    Not Applicable
  • Terms
    6-12 Months
Medium Personal Loans
  • Loan Amounts
    $2,001 - $5,000
  • Establishment Fee
    $400
  • Monthly Service Fee
    0
  • Interest
    24-48% p.a.
  • Terms
    12-24 months
Large Personal Loans
  • Loan Amounts
    $5,100 - $10,000
  • Establishment Fee
    $0
  • Monthly Service Fee
    $0
  • Interest
    24-48% p.a.
  • Terms
    12-36 months
Personal loans with low credit score

We'll evaluate your application beyond just your credit score and let you know if it meets our responsible lending criteria

Simple application process

Complete your online application in minutes, with a straightforward process designed for almost everyone

Flexible repayment options

You could choose between weekly, fortnightly, or monthly repayments with terms that suit your budget

Fast funding upon approval

A low credit score doesn't slow us down - if approved, you'll receive your funds in as little as 60 seconds to PayID enabled banks.

Low credit score loans FAQ

How to apply for a low credit score loan?

What can I use a personal loan with low credit for?

How long does it take to get a low credit score personal loan approved?

How to improve my credit score?

Can I apply for a personal low credit loan if I'm on Centrelink?

Customer Service

Monday to Friday: 8am - 8pm (AEST)

Saturday: 9am to 5pm (AEST)

Sunday: Closed

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