Rating based on 37 reviews

Rapid Finance

  • Bad credit loans up to $30,000
  • Low-interest starting from 12%
  • Repayment up to 7 years

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Rapid Finance homepage
Author Rapid Finance. Screenshot of Rapid Finance website.
[Accessed March 15, 2023]

About Rapid Finance

Melbourne-based Rapid Finance is a reputable finance broker that secures loans for bad credit for clients in Australia in a quick and efficient manner.

Need a bad credit loan in double-quick time and at the lowest interest rate possible? Rapid Finance offers solution-based finance – making sure they exhaust all avenues to access through lenders the best bad credit loan for every client. 

Easy loans for bad credit 

Rapid Finance prescribes the National Consumer Credit Protection Act 2009, which means it offers bad credit loan customers the highest standards of service excellence. Rapid Finance has a vast selection of lenders in its network and will compare product offerings for clients and find the best one that is tailor-made for their financial needs.

How fast is their bad credit online loan approval turnaround time? Very fast – in fact, pre-approval for any bad credit loan takes only 10-minutes. The company’s staff are highly trained in all aspects of the Credit Act and clients can be assured of a highly efficient service too. 

What they offer Bad Credit loan customers

Emergency money is sometimes hard to come by – especially when clients are in trouble with the credit bureau.  Many Australians sometimes need cash for a holiday, to pay a medical bill or a wedding gift, at the drop of a hat. Rapid Finance can help these types of clients who are hard up for cash – without major delays.

The online broker is able to access loans of up to $30,000 for cash-strapped clients. Applicants just fill in the online form on the website with all their personal details and an agent will give feedback in next-to-no-time.  If the client meets all the criteria, the bad credit loan can be in their bank account in double-quick time.

Rapid Finance Services

Bad Credit stifling financial progress? No worries.

Rapid finance believes bad credit challenges should not deny any Australian access to a loan that can settle unexpected expenses. That is why the top online finance broker has come up with the Go Rapid Finance service to help people who have bad credit to obtain loans.

Their dedicated team of experienced professional consultants helps clients navigate with ease the borrowing process, no matter the circumstances. Rapid Finance is expert at finding the right online bad credit loan for each and every client, whether the applicant has forgotten to pay a bill or has defaulted with payments. Self-employed or no credit history at all? The online broker has a plan for everyone.

Bad credit loans product offerings

Rapid Finance lives up to its promise of treating Bad Credit Loans as a “specialty”. Whether Australians have been turned away by banks or other lenders or have a poor credit history, the finance broker will always lend a helping hand. These are just some of the examples of the products offered:

  • Personal loan for bad credit - bad credit loans available for Up to AU$30,000. Payment terms are weekly, monthly, or fortnightly. Affordable interest rates.
  • Bad Credit Car Loans –For people wanting to refinance and who have credit defaults, a poor credit rating, or have previously been declined credit. Minimum loan: AU$2,000, maximum loan AU$70,000.
  • Bad Credit Home Loans – For people wanting to refinance a home and who have credit defaults or have previously filed for bankruptcy. Minimum loan AU$200,000, no fixed maximum.
  • Bad Credit Bike Loans – For people who have a bad credit history, including previously bankrupt clients, credit defaults. Minimum loan AU$2,000, maximum loan AU$30,000$

Rapid Finance – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 1236% p/a
  • Loan Amount up to $30,000
  • Repayment 1 year to 7 years

Benefits of Rapid Finance

  • Hassle-free bad credit loans
  • Apply online
  • Get approved fast

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.

Rapid Finance Loans – Fast cash in no time

The website gives clients access to a loan calculator where they input the loan amount needed, and a series of questions will be asked of the applicant.

Among the questions are, if the client has an existing mortgage, if some or the entire loan is to be used for the purchase of a vehicle. Then follows the name, address, and details of the applicant. The information is submitted online after which an agent will respond almost immediately to go through the application with the client.

Bad Credit experts from Rapid Finance will analyze the financial strengths of each applicant and use the information to negotiate a favorable contract with lenders. The website also offers a free credit check for applicants who may be uncertain of their credit standing. The check does not affect the applicant’s credit score.

Affordable bad credit loans

Rapid Finance has the bargaining power to make sure it negotiates the most affordable interest rate for online bad credit applicants. These are among the benefits of a Rapid Finance Bad Credit loan:

  • An interest rate of 12 – 36% pa
  • Bad Credit Loan amounts of up to AU$30,000 for personal loans
  • Repayment terms of 1 – 7 years
  • Apply online and 10-minute pre-approval
  • Rapid Finance checks credit history to iron out any mistakes – for free
  • Compares finance products from a range of lenders.
man holding thumbs up

Rapid Finance is a trusted & reliable provider of bad credit loans

In our review, Rapid Finance adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Rapid Finance is a registered credit provider in Australia: ACL 392965

Customer Reviews & Testimonials

June 2018

I do freelance work so I don’t always get paid on exactly the same day. This is a big no, no at traditional banks and I have had my loan applications declined many more times than I would like to...

Cathie A
— Adelaide —

July 2019

I applied for a loan to buy my son a new set of headphones because I accidently stood on his while I was cleaning! I applied from my cell phone and was pre-approved in under 10 minutes. After fin...

Emily R
— Melbourne —

December 2018

Missing payments on due bills meant that my credit score took a huge knock and when I applied for a loan from my bank my loan application was declined. a friend told me about your bad credit loan...

Janine B
— Albany —

May 2019

I was sharing a flat with a roommate and we were both responsible for half the rent, unfortunately we had a falling out and she moved out without notice! When the rent came due, I didn’t know wha...

Sandra G
— Esperance —

Rapid Finance Contact

Physical Address

Opening Hours

  • Monday 08:30 – 18:00
  • Tuesday 08:30 – 18:00
  • Wednesday 08:30 – 18:00
  • Thursday 08:30 – 18:00
  • Friday 08:30 – 18:00
  • Saturday 10:00 – 16:00
  • Sunday – Closed