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Bad Credit Personal Loans

Bad Credit Personal Loans up to $3000 UNSECURED.

  • It is a loan up to $ 3,000 offered without security.
  • It is a loan offered to customers with a bad credit.
  • It has flexible repayment terms.

Credit Reform Bad Credit Personal Loan products will suit you if you have one or more of the following:

  • Paid Defaults
  • Unpaid Defaults
  • Bankruptcy or Part IX Debt Agreements (where you entered into bankruptcy more than 12 months ago)

Who’s this product for?

People who have a bad credit history and who require funds for personal reasons.


Am I eligible to apply?

You need to be at least 18 years of age, a permanent Australian resident, and in regular paid employment to apply. Amounts over $3,000 require a vehicle (registered in the borrower’s name and currently unencumbered) as security.


How much can I borrow?

From $500 to $3,000 – Unsecured Personal Loan

From $500 to $5,000 – Secured Personal Loan


What repayment terms are available?

From 3 months to 12 months


Bad Credit Personal Loans up to $5,000 - $20,000 SECURED.


Bad Credit Personal loan are also available for amounts from $5,000 to $20,000, and for terms of up to four years. Fees, rates and repayments vary depending on your loan and relevant State laws, and for full details on a personal loan that is tailored to your situation you are welcome to contact our friendly staff.


All personal loans must be secured by an asset, usually in the form of a registered motor vehicle (car, motorcycle, boat, truck, etc) which should generally be no older than ten years, and the bulk of your income must be derived from wages (self-employed clients are also welcome providing your income can be proven).


Short Term Finance


Credit Reform specialises in Short Term Finance facilities for periods of up to 12 months, in the market place these types of loans are known as Bridging Loans, Bridging Finance, Caveat Loans, 2nd Mortgages, Private Mortgage facilities and Short Term Loans.


We have access to funds from Sophisticated Investors and are able to assist you the applicant with your funding needs up to loan amounts in excess of $ 1,000,000.


For these types of loans Interest is charged monthly and can either be paid on a monthly basis or the interest can be capitalised (financed into the gross loan amount).


If you need a bad credit personal loan in Sydney contact us today.


Credit Reform Australia

Call us today on 1300-281-133