Rapid Finance bad credit loans

With Rapid Finance, you can apply for a wide variety of loans even with bad credit. Costs will vary according to individual applications and the type of loan.

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Elizabeth Barry

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How to apply for a Rapid Finance personal loan

Applying online is a straightforward process. You'll need to meet general eligibility requirements including:

  • Being at least 18 years of age
  • Being an Australian citizen or a permanent resident of Australia
  • Being in paid employment
You'll need to provide current address details and evidence of employment. Having a good credit history improves your chance of approval.
Elizabeth Barry's headshot
Journalist

Elizabeth Barry is an experienced journalist with over 10 years of expertise in personal finance, contributing to outlets like the ABC, Sydney Morning Herald, and 7News. She holds a Master of Arts in Creative Writing and a Bachelor of Arts in Communication from the University of Technology Sydney, and has earned multiple award nominations, including a Highly Commended recognition at the 2017 Lizzies. Elizabeth began her career at Finder in 2013, progressing through roles to become Lead Editor, where she oversaw a wide range of personal finance coverage until 2024. See full bio

Elizabeth's expertise
Elizabeth has written 202 Finder guides across topics including:
  • Banking
  • Personal finance
  • Investing
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31 Responses

    Default Gravatar
    HopeApril 10, 2016

    Hi
    I am working as a full time casual i earn 1400 a fortnight i am paying a debt 9 agreement at the moment, my partner earns 700 a week he has a couple defaults due to not being in country for couple months. We have 2 children and our car has died we are looking for a car loan can you advise us of any loans or help that we can get?

      Elizabeth Barry's headshotFinder
      ElizabethApril 11, 2016Finder

      Hi Hope,

      Rapid Finance offers car loans to those who have bad credit, so you may be eligible for a loan. It offers a range of tailored financial loans that might be an option for you. You can apply by visiting the website directly or calling over the phone.

      Hope this has helped,

      Elizabeth

    Default Gravatar
    ChloeMarch 28, 2016

    Hi wondering if you can help I currently am employed, contract for 2 years and receive family tax benefits but I’m a casual! I’m trying to get a car loan and who I just tried with wouldn’t lend due to my casual status even though I’m contracted for two years and receive the Ftb can you help me?

      Elizabeth Barry's headshotFinder
      ElizabethMarch 29, 2016Finder

      Hi Chloe,

      You’ve come through to finder.com.au, a financial comparison service and not Rapid Finance. Rapid Finance consider applicants in a variety of situations so you may be eligible for a loan with them, you can head over to their website and fill out a form to speak to an advisor if you are interested.

      Hope this has helped.

      Thanks,

      Elizabeth

    Default Gravatar
    faithFebruary 25, 2016

    hello.am 22 yrs old and want to start a small business am currently unemployed ..can you help?

      Elizabeth Barry's headshotFinder
      ElizabethFebruary 25, 2016Finder

      Hi Faith,

      Part of Rapid Finance’s minimum criteria is that you have a current regular income, which may make you ineligible, and they also don’t offer startup business financing. You can compare available business loans that would best suit your business loan needs.

      Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply for the loan.

      I hope this will help,

      Elizabeth

    Default Gravatar
    ShaneJanuary 22, 2016

    Don’t have any security towards a personal loans also.Is there any other lenders out there ?

    Default Gravatar
    ShaneJanuary 15, 2016

    Need a personal loan up to $10000.I have been discharged from bankruptcy and have a permanent job.Can you help and what are the interest rates?

      Default Gravatar
      ShaneJanuary 22, 2016

      Have no security to put towards a personal loan are there any lenders that can help ? I am a ex bankruptcy applicant.

      Elizabeth Barry's headshotFinder
      ElizabethJanuary 25, 2016Finder

      Hi Shane and Katrina,

      Rapid Finance consider applicants who have been discharged from bankruptcy for a loan, so you may be eligible to apply. You can visit the website directly to find more information. You can also read our guide on applying for a loan as a discharged bankrupt to select available lenders and to know their eligibility requirements.

      Please ensure to read through the relevant product disclosure statement and terms and conditions of the loan to ensure that you got everything covered before you apply.

      I hope this will help.

      Thanks,

      Elizabeth

      Elizabeth Barry's headshotFinder
      ElizabethJanuary 18, 2016Finder

      Hi Shane and Katrina,

      Rapid Finance offered tailored loan solutions so interest rates differ, but they are able to help discharged bankrupts. If you’d like to apply for a loan you can do so directly on its website.

      I hope this has helped.

      Thanks,

      Elizabeth

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