Rating based on 88 reviews

Low Income Loans

  • Bad credit loans up to $5,000
  • Low-interest starting from 3.99%
  • Repayment up to 12 months

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Author Low Income Loans. Screenshot of Low Income Loans website.
[Accessed March 15, 2023]

About Low Income Loans

Low Income Loans Australia is a credit lender that is helping communities get back on their feet by granting them smaller bad credit loans in a fast and efficient manner.

The online lender is helping thousands of Australians who are struggling to meet financial obligations because of bad credit, with low-income loans bad credit loans.

Flexible bad credit loans online

Low Income Loans believes that everyone deserves to be financially stable and independent, no matter what the circumstances. Many lenders might turn away prospective clients due to bad credit ratings, but not so with Low Income Loans.

The credit lender has vast experience in the financial services sector and is suitably placed to provide clients with an alternate loan service. The company prescribes to the rules of the National Consumer Credit Protection Act and clients can therefore rest assured they will get the most efficient trustworthy service.

Low Income Loans Services

The advantage of securing a loan from Low Income Loans, is that they offer desperate clients easy online bad credit loans of up to AU$5,000, irrespective of what their credit history may be.

Whether it’s a doctor’s bill that needs to be paid urgently, or a child’s school fees or tertiary fees, or an overdue credit card payment that needs to be settled, Low Income Loans is but a mouse click away. They are well-known for giving Australian clients, who are caught up in the bad credit trap, renewed hope.

The online system is fast and efficient. Feedback on any loan query will be received on the same day and the money paid into the client’s bank account the next day.  All their expert agents are trained in the rules governing the Credit Act and always provide high service of excellence.

Bad credit loans online options 

An outstanding feature of Low Income Loans is that they grant quick loans online that payout almost immediately and which are payable over shorter time periods. Clients in most cases use these types of loans for small and urgent commitments.

Low Income Loans – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 3.99%
  • Loan Amount up to $5,000
  • Repayment 3 months to 12 months

Benefits of Low Income Loans

  • Low-interest rates
  • Reliable bad credit loans
  • Quick and easy loan applications

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Low Income Loans in Australia offer bad credit loans for everyone!

 The company’s staff are always doing their best to secure the most competitive interest rates on their loans for clients – which can start from 3.99%.

The loans are generally repayable over a  3-month to 12-month period.  

Loan types on offer are

  • Low-Income loan options –Quick loans to pay off debt or to bring an emergency situation under control.
  • Centrelink loans – Payments are made twice a year to successful applicants.
  • Bad credit loans - Reliable bad credit loans that payout quickly at competitive interest rates.
  • Home loan assistance – When a client needs money for renting a home, or fixing up an item inside the home  or saving towards a home.

Bad credit loan to suit every individual’s needs

Easy loans online that can fix up bad credit scores. Low Income Loans don’t only put their clients back in the black with easy-to-access bad credit loans. Their assistance in this regard can also help customers repair their credit scores in the longer term. Bad credit affects people in various ways and can have a devastating effect on personal and business lives.

The advantages of a Low Income Loans include

  • Clients are much better positioned to land the job they want if they can fix up their bad credit standing with the bureau through a bad credit loan with the company.
  • Successful clients may for example be in a better position to get a rebate on interest on a home loan if they manage to qualify for a bad credit loan through Low Income Loans, which will help them become financially stable.
  • Renting out a home is easier when a credit history has been addressed.
  • A client who manages to return to good financial standing through a Low Income Loans bad credit loan can better access a store account, which can help a credit score.

Applying for a Low Income Loans bad credit loan

In most cases, people applying for easy bad credit loans online will have to prove they can fulfil a repayment obligation. As a result, income will affect loan eligibility. These are the following criteria:

  1. Applicants must be 18 or older.
  2. The potential client must be a permanent Australian resident.
  3. Clients must have a bank account.
  4. They must earn at least AU$500-a-week.
  5.  Centrelink cannot be the only income source to qualify. Clients must have an additional provable income source.

Best advice for bad credit loan with no credit check

The cost of borrowing from credit lenders might be higher than banks, but Low Income Loans Australia will negotiate the best interest rate on easy bad credit online loans for clients. Low Income Loans are backed by the rules governing the National Consumer Credit Protection Act.

This means that lenders cannot charge more than a 20% establishment fee and a 4% monthly fee on bad credit loans,  moving forward. These are typical rates clients may find for a no credit check loan, but Low Income Loans may even occasionally be in a position to peg these loans at an even lower interest rate for bad credit loans clients. battling to see where the quotes should go? Have fixed other typos. Thanks

Customer Reviews & Testimonials

September 2018

My son’s school had a policy that if you paid the enrolment fee early you could qualify for a large discount unfortunately my bank balance was low and I couldn’t afford to pay it at the time. I a...

Nicola S
— Townsville —

July 2019

When we needed to move from the place that we were staying in to a new property we were not prepared to pay so much on a deposit and didn’t know what we were going to do. I applied for a loan fro...

Eva S
— Adelaide —

December 2018

It is very difficult to find a loan when you receive Centrelink benefits as many lenders see you as a higher risk and won’t take the chance of lending me money. I came across your Centrelink loan...

Pat I
— Canberra —

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