Adverse Credit Finance
Explore personal financing options if your credit history has presented challenges. Every application is considered on its individual circumstances.
Your credit history is part of the picture
Previous credit difficulties do not necessarily tell the full story of your current financial circumstances. We consider applications individually, taking account of relevant information and your ability to manage proposed repayments.
Previous Credit Challenges
You may submit an enquiry if past late payments, defaults or other credit difficulties have affected your borrowing options.
Individual Assessment
Applications are reviewed based on relevant financial circumstances rather than relying on one factor alone.
Affordability Matters
Your current income, financial commitments and ability to meet repayments remain important considerations.
Financing considered around your circumstances
- No stated minimum credit-score requirement.
- Individual review of your application and circumstances.
- Opportunity to explain changes in your financial situation.
- Clear disclosure of applicable rates, fees and conditions.
- No early repayment penalties under the stated programme terms.
Financing from $4,999
Eligible personal financing starts at $4,999. Advertised interest rates start from 5.2%. Your actual rate and approved amount depend on the product, assessment, location and applicable conditions.
A credit history does not guarantee approval or determine the outcome by itself. All applications remain subject to review and affordability assessment.
Start an ApplicationWho may submit an enquiry?
Individuals who have experienced credit difficulties may submit an application for consideration. Eligibility depends on the full circumstances of the request.
Credit History
You may explain previous credit challenges and provide relevant context about your current financial position.
Current Circumstances
Your current income, regular expenses, existing debts and requested financing amount may be considered.
Repayment Ability
The assessment considers whether the proposed repayments are appropriate for your financial circumstances.
What happens after you apply?
Submit Your Enquiry
Provide your contact details, requested amount and a brief explanation of your financing needs.
Individual Review
Your enquiry is reviewed. Additional information may be requested to understand your current financial position.
Review Available Terms
If conditionally approved, review the proposed interest rate, fees, repayment schedule and applicable conditions before accepting an offer.
Adverse credit finance FAQs
Can I apply if I have bad credit?
You may submit an enquiry even if you have experienced credit difficulties. Your application will be assessed individually and approval is not guaranteed.
Is there a minimum credit-score requirement?
No minimum credit-score requirement is stated for this financing enquiry. Other eligibility and affordability requirements still apply.
Does applying guarantee approval?
No. Every application is subject to review, affordability assessment, applicable laws and final approval.
What interest rate will I receive?
Advertised rates start from 5.2%. Your actual rate depends on the product, application assessment, location and final terms.
Are there additional fees?
A due diligence and underwriting fee may apply. Its amount and payment timing depend on the financing terms and will be disclosed before you commit.
Can I repay early?
There are no early repayment penalties under the stated programme terms. Your final agreement will explain the applicable repayment arrangements.
How long does an application take?
We aim to respond to initial enquiries within 1–3 business days. Additional review or documentation may affect the overall assessment time.
Explore Your Financing Options
Your financial circumstances deserve individual consideration. Submit an enquiry to begin the review process.