We Can Help You.

Bills caught you at a bad time? If you need a small, low interest bad credit loan fast, we could help you get a cash advance up to $5,000. Chat to our customer service representative today on 1300 242 274 or apply online. Easy!


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WE CAN HELP YOU. OUR PHONE LINES OPEN between 9am and 9pm.
Call US: 1300 242 274


Apply online

Fill in the online application form 24 hours a day.

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How to Qualify

  • Making a minimum $1,000 take home per month?

  • Are you are 18+ years old and an Australian resident?

  • Do you have a bank account in your name?

  • Have you got 100 points of ID?

  • If you have these 4 things, CLUB MONEY can help you TODAY.


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We can help, even when others can't

  • Bad credit loans
  • Loans made easy
  • Cash quickly
  • Trusted lender
  • Manageable loans
bad credit history loans

Get a second chance with a bad credit loan.

Getting a loan isn't always easy. Especially if you have bad credit. Things could be different though, when you apply for a bad credit loan with us. Because, at Club Money, we give you a fair go.

We understand that situations change. We know that just because you've had financial difficulties in the past, that doesn't mean you are unable to fulfil your monetary commitments now.

Everyone deserves a second chance. We look at where you are today, not where you were yesterday. As long as you meet our lending requirements, we could help you with a bad credit loan.

We've been able to help countless Australians. So, if you've been denied elsewhere. If you have a less-than-perfect credit history. If you think you can't get a loan. Call us. We may be able to help.

Choose Club Money for your second chance loan and enjoy friendly and understanding service. As well as flexible loan options. And transparent and easy to understand fees. We make loans easy.

easy loans

We make getting a bad credit loan easy.

Bad credit loans can be complicated. Paperwork, intrusive questions, numerous personal documents. Many lenders demand all of these things and more, before your application is even considered.

At Club Money, we're different. We only provide small bad credit loans. That means we require fewer details than the big lenders. Provided you meet our lending criteria we ask only for:

  • 100 points of ID. For example, your driver's licence and Medicare card.
  • Proof of income. To apply you'll need a takehome pay of $1000 p/m.
  • Bank account in your name. So we know where to transfer your money.

We'll also ask you for an email and phone number. This is so we can get in touch regarding your approval. And that's it! Simply submit your details along with your application. We'll do the rest.

If at any time during the application process, you have a question regarding your bad credit loan, call us. Our friendly staff will be happy to answer any queries you have regarding our service.

Quick loans

You could get $2000 today. Even if you have bad credit.

Need money fast? You're not alone. Whether it's an unexpected bill or a surprise expense, sometimes we all need a little extra to make ends meet. And that's where we at Club Money come in.

We can help you to get access to cash fast. Apply now and you could have up to $5,000 in your bank account by the end of the day, even if you have a poor credit history.

So exactly how fast is our service? Our online application form can be completed quickly in less than 5 minutes. And, during business hours approval can take as little as 30 minutes.

Upon approval, we transfer your money straight away. That means you could have your cash by close of business. Transfers to major banks like NAB and Westpac can take just two hours.

Please note, exactly how long transfer of funds will take will depend on your financial institution. Transfers to smaller institutions and credit unions may take one to two days.

trusted lender

We're a lender you can trust for bad credit loans.

At Club Money, we provide fast and easy bad credit loans. The last thing we want to do is cause financial hardship. That's why, when it comes to fees and repayments, we're open and flexible.

We put all of our fees upfront. There are never any hidden fees or surprise costs. We do not charge interest. Instead, we charge easy-to-understand fees. So, you always know what you'll pay and when.

Our 2 standard fees are:

  1. Establishment fee: 20% of the principal (the borrowed amount)
  2. Monthly fee: 4% of the principal

Penalty fees may also apply for defaults and dishonoured payments. For full details, see our fee statement. If you'd prefer to talk to a real person, give us a call. Our team will be happy to help.

We're flexible too. So, should your circumstances change, we can potentially help you to reschedule your loan. Provided you stay in touch, we may also be able to waive any relevant penalty fees.

easy to manage loans

Our bad credit loans are easy to manage.

Bad credit loans don't have to be complicated. At Club Money, we make loans easy. From our straight-forward fees to our simple repayment schedules, we take the hassle out of managing your loan.

Unlike a credit card, a bad credit loan is a one-off. You cannot redraw on your account for an impulse buy. Without the temptation of extra purchases, you can focus on repaying your loan, sooner.

You choose the repayment period too. You can pay the full amount in as little as 61 days or over the course of 12 months. It's up to you. Whatever works for your schedule and budget.

We understand that the unexpected happens. So should you have difficulty repaying your bad credit loan, call us. We're flexible. We could help you to reschedule your loan, to make it manageable again.

Ready to apply? Our service is 100% online. That means you can apply with us 24 hours a day, 7 days a week. Our application process can be completed in just 5 minutes too. Get started here.

Unexpected circumstances in the past may have left you with a bad credit rating. A bad credit rating means that big banks will not lend you money when you need cash.

We provide quick, low interest bad credit loans Australia wide to help you get over life’s unexpected hurdles – no hassle, bank lines or long approval/transfer times!

The bad credit loan amount you can borrow will be determined by the information you provide, but could be anywhere up to $5,000.

Our bad credit loans are short term, low interest, quick cash loans for people with a bad credit history, repaid over a period of between 61 days and 12 months. No guarantor or security required!



  • Can I get a cash loan with no credit check?

    We have to check your financial situation to make sure a loan is suitable for you, including your credit history. We take responsible lending seriously and don't approve loans that are unsuitable.

  • Can I get a cash loan with bad credit?

    Yes. As long as you have 90 days of problem-free banking and at least $250 of weekly employment income, you can still get approved for a loan if you have bad credit.

  • Can I get a bad credit cash loan online?

    Yes. Our application process is 100% online and it only takes a few minutes to apply. If your application is successful, we transfer the funds to your account electronically for your convenience.

  • What happens if I can't pay back my cash loan?

    If you're having trouble making the repayments, the first thing you should do is get in contact with us. We can reschedule your loan so that it's more manageable for you. If you do default on the loan, it may make it more difficult to be approved for credit in the future and there are fees involved.


Start Your Application

!WARNING - Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.