• hello@breezyloans.com.au.

Bad Credit Loan Essentials: You can still apply even if you have a poor credit history!

Don't let bad credit history get you down. Having bad credit can lead to many traditional lenders being unwilling to offer you a loan, which can be disheartening, to say the least. This can often impact your day-to-day life, especially if an unexpected expense pops up and you need to get your hands on some spare cash.

Many lenders are unwilling to help you out or other lenders may offer you an incredibly high-interest rate due to your bad credit history. We don’t think this is fair. Breezy offers bad credit loans to help anyone out, even if they don’t have a squeaky clean credit history. Read on to find out more.

How can credit history impact your ability to get a loan?

Your credit history is going to have an impact on your ability to be approved for a loan, both negatively or positively. Good credit history is an indicator for many lenders that you can responsibly handle a financial commitment and are a good risk to lend to. Bad credit history, on the other hand, can be an indicator to some lenders that you might not be a good lending risk as you have shown in the past that you can’t handle your financial commitments.

There are many financial aspects that can impact your credit history. From whether you have successfully paid off your other commitments to your repayment history and how often your repayments were on time, your credit report will show potential lenders both the good and the bad and will contribute to your overall score. This is why it is so important to try and keep on top of your financial commitments and always try to avoid taking on more debt than you can comfortably afford to pay back.

Can I apply for a loan if I have bad credit history?

Yes, you can apply with Breezy Loans if you have bad credit. We understand that there are times in life and circumstances that can lead to having a bad credit history. The difference with Breezy is that we won’t judge you for it or automatically decline your application.

Our bad credit loans are designed specifically for individuals who need a financial boost, even if they don’t have a perfect credit score. Apply with Breezy Loans and we’ll see if we can assist you with a bad credit loan.

What are the application requirements?

Before the formal assessment of an application for a bad credit loan, there are a few preliminary eligibility requirements that you need to meet. Don’t panic too much as these requirements are fairly simple. You will be eligible to apply for a bad credit loan in Australia if you:

● Are at least 18 years old
● Have a regular source of income or Centrelink Benefits (for 3 months before applying)
● Are an Australian citizen or permanent resident
● Have internet banking set up
● Have an active contact number as well as an email address so that we can contact you about your application

What do lenders look for in applications?

When lenders are assessing your application, they look out for a variety of factors that will tell them a lot about how someone spends and handles their money. These can provide a thorough snapshot of your current financial circum and help indicate whether a loan might be a good idea for the individual. Some of the most common things that lenders are looking at in your application include:

● Monthly income and expenses
● Repayment history of other loans or commitments
● Saving habits
● Spending habits
● Credit History

How can you apply for bad credit loans?

Breezy Loans application process is quick and simple. You can complete your application in just a few minutes as it is a 100% online process. Our application and assessment process looks a little like this:

  • 1. Submit your application via our handy online application
  • 2. Our experts will assess your application and provide you with your outcome, sometimes in as little as 60-minutes
  • 3. If you have been approved we will send out a loan contract with your offer and loan terms. Be sure to read this contract thoroughly before signing it to ensure you are happy with the terms you have been offered
  • 4. Get your cash! Once we receive your signed contract we will release your funds to your nominated bank account. You can often have your cash in as little as 60-seconds.

Apply for your bad credit loans now!

If you think that a Breezy bad credit loan might be just what you need, submit your online application now! Our team will get to work assessing it and you’ll have your outcome in a quick and efficient manner. If you have any questions about our bad credit loans or our application process, get in contact with our team now!

Common Frequently Asked Questions (FAQs)

What is a bad credit loan?

A bad credit loan is a loan that is offered to people who have a low credit score. Bad credit loans can help to provide someone with a second chance at finance if they don’t have a high enough score to get a traditional loan.

Why should I opt for bad credit loans?

Bad credit loans are a good option to apply for if you are struggling to obtain approval for a traditional personal loan. Bad credit loans can be the helping hand you need when other lenders are consistently turning you down. Breezy Loans can provide a range of fast and flexible bad credit loans that are customized towards your specific financial situation.

What can a bad credit loan be used for?

Bad credit loans can be used for a huge variety of reasons. You can pay your utilities, purchase a new car, book some well deserved travel or a holiday, pay for some medical or dental bills or even cover unexpected expenses such as the need to purchase new white goods. The possibilities are endless with bad credit loans.

How do I repay my loan?

Repaying your loan is easy. The Breezy assessment team will set up your automatic loan repayments to be deducted from your account in line with your payday. All you need to do is ensure that there are sufficient funds in your account so that the repayment will clear.

What is a credit report?

A credit report is a document that contains details of your personal information and financial history. This document helps lenders determine if they want to lend you money or not.

How does my credit rating affect me?

Your credit file takes your entire credit history into account, both the good and the bad. If you have any defaults listed or you have made multiple credit applications, it may be hard for you to obtain credit. Additionally, a history of good repayments will show lenders that you are responsible with your money and likely to pay off any credit that you might be approved for. This good history can make it much easier to be approved for a loan down the track.

Is your repayment schedule flexible?

Yes, our repayment schedules are flexible. We will organise a repayment schedule that is in line with your payday. However, if you want to pay your loan off early or make changes to your schedule, give us a call and we’ll see how we can help.

Frequently Asked Questions

    To be eligible for a Breezy loan you simply need to be:
  • (a). 18 years of age.
  • (b). An Australian citizen or permanent resident.
  • (c). Receiving a regular income in a personal account for at least three months.
  • (d). Able to provide an active mobile number and email address.
  • (e). We may require some extra info once you apply; however, don’t worry, we’ll let you know!

Payday loans are loans that work around your pay schedule. Payday loans are typically unsecured, short-term loans and are usually paid off by your next pay cycle. Personal loans come with a higher term and amount. A security may also required for loan amount more than $5000.

No, we don’t offer payday loans Australia. We do, however, offer flexible loan terms, in line with responsible lending practices.

Yes! We welcome all applicants, no matter what your finances say. We can’t promise to help everyone, but we are more lenient than traditional lenders. So, if you have bad credit, why not apply and see if we can help you.

Yes! If you receive Centrelink payments you may have been knocked back by traditional lenders. However, our team of lending specialists classify Centrelink as regular income as long as you’ve been receiving the payments for at least 3 months.

That’s easy – nothing! Our loan service is 100% paperwork-free. So, no need to worry about submitting any paperwork. We’ll simply ask for your bank account, MyGov and employment info. Don’t worry, it’s nothing scary. We use your bank account and MyGov info to access a read-only copy of your statements, so there’s no need for you to submit any documentation! Breezy, right?

In some cases, we may need to contact your employer. Typically, we do this for new customers, and our team of lending specialists are always discrete and respectful. So, there’s nothing to worry about.

Yes, as part of our responsible lending practices, we do conduct credit checks. However, don’t let this deter you from applying for quick cash.

Applications can be submitted 24/7 via our website; however, our team needs their rest too, so we’ll begin assessing during our office hours.
Office hours:
Monday to Friday – 10:00 AM to 05:00 PM
Saturday & Sunday – Closed
If you apply outside of these hours, you can expect an outcome from our team of loan specialists on the next business day.

Rather than ask “how much can I borrow” ask how much do you need. We want to help, so firstly apply for what you need, and we’ll do our best to bring you a positive outcome. You can borrow from $2100 to $70,000.

Yes, absolutely! We are online lenders that use the latest in safe banking technology to ensure we assess your loan accurately and (most importantly) quickly!

If you’re approved, congratulations! We’ll send you a loan contract, and once you’ve signed on the dotted line, we’ll transfer your cash directly. Apart from your weekly, fortnightly, or monthly repayments, you don’t need to worry about a thing. If you have any questions regarding your current loan, email us at hello@breezyloans.com.au.

First off, we’re sorry you’ve been unsuccessful this time around, but there’s always a next time! We may have said no this time, but we won’t say no forever. You can re-apply after 90 days, and we’ll re-assess your application.

At Breezy, once your loan is approved, we’ll set up a direct debit with your bank account. So, your repayments will automatically be deducted from your account – completely seamless! What a breeze.

We understand that life happens and sometimes you may need to tweak your repayment schedule. If you do, that’s fine, just let our team know at least 24 hours before your next repayment.

Yes. Unfortunately, if you miss a repayment, we will debit your account $27.50. Therefore, to avoid any nasty fees, make sure to have your repayments ready to go in your account before they’re due.

Of course! At Breezy, we believe in flexible loan terms. Therefore, if you find a stroke of luck and you’re able to pay your loan off early, do it and save yourself the interest.

We want our customers to be happy! So, if you have an issue with our service, please feel free to lodge a complaint by emailing us at hello@breezyloans.com.au. We’ll be glad to address any problems or questions you have about our loan service.


Searching for a breezy, personal loan?

Apply for $2100 to $70,000.

Look no further than Breezy Loans for quick finance topped with top-notch
customer service and loan specialists who get it.

Rates & Costs

Medium Personal Loan

Loan Amount
$2100 - $4800

Loan term
12 months - 24 months


  • 1. Maximum Interest rate: 45.99% p.a.
  • 2. Comparison rate: 37.10% p.a. to 65.70% p.a.
  • 3. Loan Type: Secured & Unsecured
  • 4. Establishment Fee: $400

This comparison rate is based on $3600 over 12 months. These are secured and unsecured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 24 months or more.

These are estimated rates only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change.


Personal Loan

Loan Amount
$16,000 - $70,000

Loan term
12 months - 5 years*

  • 1. Interest rate: 14.2% p.a.
  • 2. Comparison rate: 14.65% p.a.
  • 3. Loan Type: Secured & Unsecured

These rates are an example for a loan of $50,000 if borrowing for a term of 5 years.

Loan Amount of $50,000 over 5 years repayable. A monthly $1,190.60 Repayment at a maximum of 14.64% p.a. Comparison Rate. These are secured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 5 years or more.

These are estimated rates only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change.


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