Need a small personal loan? Have bad credit?

Savvy helps people with bad credit get approved.

Bad credit cash loans

If you’ve had bad credit in the past and have been working hard to correct your financial situation, we can still come up short in emergencies. Savvy helps people with bad credit find a personal loan that suits their needs to help them through tough times. We can help you approved for small personal loans that suit your budget ranging from $500 up to $25,000. Our friendly consultants help you through the process so you get what you need – fast. Once approved, you can have your funds to you within 24 hours.

Get approved with Savvy

Sometimes bills crop up that we don’t expect – an at-fault car accident may require you to pay an excess; you may need to fix a broken appliance; your computer which you rely on for work may need repair or replacement; you need emergency medical treatment; or perhaps a larger than expected utility bill comes in. Some cases we may need to travel immediately to visit sick or in-distress loved ones. No matter the reason, Savvy’s consultants work with you to find personal loans for people with bad credit with reasonable repayment schedules and interest rates.

The bad credit cash loan specialist

Savvy have helped thousands with bad credit achieve small loan approval

$500 to 25K
We can process bad credit cash loans ranging from $500 to $50,000, depending on need.
Fast approvals
We ensure you get the money within 24 hours once approved, so you can get on with things.
Flexible loan terms
We source small personal loans with flexible repayments from a few weeks up to a year.
Upfront the whole way
We lay out your repayments and any associated fees up front so you’re never caught out.
Personal consultant
A personal consultant helps you through the entire process, answering your questions.
Bad credit is OK
Have bad credit and knocked by the big banks? We get you approved even with bad credit.

How to get approved for a bad credit cash loan

Follow these simple steps to boost your chances of approval.


To progress to an application, we require you to be an Australian citizen/permanent resident, over the age of 18, have received income within 90 days, and have an active email address or mobile phone number.

How much to borrow?

Unsure of how much you’ll need to cover your emergency? Sometimes fees and other charges may apply. Use our calculators to figure out your amount.

Get your credit history

If you feel like you have bad credit, check your credit history. You might be surprised at what you find – and if there are mistakes, you can use this opportunity to correct them. Getting your credit history is free from a credit reporting agency.

Compare your options

Shopping around for the best deal possible is what you need to do before applying. Don’t apply at multiple lenders “hoping for the best” – more applications means more black marks on your credit history.

Talk to us

Our friendly consultants will go through your documents and situation to figure out if a small cash loan is right for you. We always abide by responsible lending practices. We only apply once you agree to the cash loan terms.