Personal Loans

Bad Credit Loans

We’re here to help customers make the right loan choice. There are many different and confusing loan names used by different lenders, so we’d like to help by clearing up the confusion.

Cash loans on your terms.
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What is a bad credit loan?

Like its name suggests, bad credit loans are for people with a bad credit history. Generally, if you have bad credit history, many loan providers won’t approve your loan application, because of your bad credit history. This in turn makes it hard to ever improve your credit score and bad credit.

At Cash Converters, however, we use people – not computers – to assess our loans. This means we can look closely at your current situation. It also means you may be approved for either a Cash Advance or Personal loan despite your bad credit loan history.

With our Cash Advance loan (available in-store), you can borrow any amount from $100 to $2,000 with a repayment period of four to six weeks.

With our Personal loans, you can borrow any amount from $400 to $5,000 with a repayment period of 12 months.

How do Cash Converters bad credit loans work?

Getting a Personal Loan from Cash Converters is quick and simple. 

You can apply online for a Personal Loan and your application is assessed by a person and not a computer. 

First, you tell us how much you'd like to borrow.

Next, we look closely at all the information you've provided to make sure the cash loan amount not only suits your requirements but your income and expenses too. 

Once approved, the cash is transferred directly to your nominated bank account. 

Alternatively, visit your nearest store to apply for a Cash Advance loan.

We are a responsible lender

At Cash Converters, we’re here to help make sure your loan is right for you. That’s why a person, and not a computer, will always assess your application.

We’ll take a close look at the information you provide us – including details of why you need the loan and how much you need to borrow, plus things like 90 days of bank statements, any existing credit card debt, bad credit history and a careful assessment of your living expenses.

We do all this to ensure your loan is suitable, affordable, and meets your specific needs. And as a responsible lender, we won’t lend you more than you can afford to repay.



Personal Loans
Cash Loans
How It Works


Cash loans on your terms.
What are you waiting for?