Updated September 30, 2026 · BorrowCue Editorial Team

Top loans for bad credit compared in Australia

15 lenders available in Australia, ranked for Australia.

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Top loans for bad credit compared in Australia
#	Lender	Score	Features	Key facts	Actions
1	Alt LendingTop pick	9.4/10	Fixed rate	APR: 3% Arrangement fee: 0 Credit check: Soft prequal	Review Compare See alternatives
2	OneMain Financial	9.3/10	Fixed rate Same day funding	APR: 11.99% to 35.99% Loan amount: $1,500 to $30,000 Term: 24 to 60 months	Review Compare See alternatives
3	Bluevine	9.2/10	Same day funding	Loan amount: up to $250,000 Arrangement fee: 0 USD (no maintenance fees) Credit check: Soft prequal	Review Compare See alternatives
4	Salt Lending	9.2/10	Fixed rate Same day funding	APR: 7.49% to 10.5% Loan amount: $5,000 Term: 12 to 60 months	Review Compare See alternatives
5	HomeSec Business Finance	9.1/10		Loan amount: A$20,000 to A$5,000,000 Term: from 1 month Funding time: As little as 24 hours	Review Compare See alternatives
6	Credit24	9.0/10	Fixed rate Same day funding	APR: 24% to 47.9% Loan amount: A$500 to A$10,000 Term: 6 to 36 months	Review Compare See alternatives
7	Jacaranda Finance	9.0/10	Fixed rate Same day funding	APR: 30.98% to 46.5% Loan amount: A$3,000 to A$30,000 Term: 25 to 48 months	Review Compare See alternatives
8	OnDeck	9.0/10	Fixed rate Same day funding	APR: 53.2% to 59.8% Loan amount: $5,000 to $400,000 Term: 18 to 24 months	Review Compare See alternatives
9	Super Finance Markets	9.0/10	Fixed rate	APR: 0.6% to 0.85% Loan amount: A$100,000 to A$3,000,000 Term: 3 to 24 months	Review Compare See alternatives
10	Cash Train	8.9/10	Fixed rate Same day funding	Loan amount: A$200 to A$2,000 Term: 2 to 12 months Arrangement fee: 20% establishment fee plus 4% monthly fee (Cash Loan)	Review Compare See alternatives