Part IX

But I don’t have bad credit……..

Apr 5, 2014 |

We often come across home buyers who have been declined a home loan due to something on their credit report, but the borrower insists that they do not have any bad credit… The misunderstanding lies in the lender definition of bad credit and the borrower understanding of what that may mean. Lender definition of bad […more]

Bad Credit Car Finance

Sep 18, 2013 |

There is significant demand for different types of car finance in Australia. As our population continues to expand, more and more people will be buying cars, and many of these require car finance to complete a purchase. Unfortunately as car purchaser numbers grow, so do the numbers of borrowers with less than perfect credit history. […more]

You do not need to have bad credit to be treated as a bad credit borrower

Aug 21, 2013 | | Say something

This may come as a complete surprise to you , but you do not need to have any problems with outstanding debts, you may have a perfect credit history with all repayments being made on time and as required, and still be treated as a problem borrower when it comes to qualifying for a loan. […more]

Bad credit mortgage refinance tips

Aug 12, 2013 | | Say something

Looking for mortgage refinance with less than perfect credit history can pose a challenge. While it may be possible to find someone who is prepared to accept your refinance application,  you may not necessarily want to take up their loan offer. It may be either expensive or inflexible. It is possible to refinance your home […more]

Do not use short term loans to fix a long term problem

May 24, 2013 | | Say something

Unfortunately unsecured bad credit personal loans do not exist. While there are lenders and brokers advertising bad credit loans – these tend to be for a period of several weeks or months and for only a relatively small amount. If you need to consolidate $15,000 in unsecured debts, you have bad credit, no assets, can […more]

Need help with an unsecured bad credit personal loan?

Apr 18, 2013 | | Say something

Why is it that we are always looking for something that is impossible to find? Unfortunately an unsecured bad credit personal loan falls into this category. While if you look on the internet it may appear as if there are many lenders who can assist with a bad credit personal loan, when you look a […more]

Effective debt consolidation strategies for home owners

Mar 27, 2013 | | Say something

Some of the cheapest and most effective debt consolidation strategies are those available only to existing home owners. People who have had their home for a decade or more, usually have significant equity in their property, this equity may be able to be used to consolidate their other and more expensive unsecured debts. How does […more]

Can I qualify for a loan with unpaid defaults?

Feb 28, 2013 | | Say something

We are Bad Credit Finance and as such we receive numerous inquiries and applications from potential borrowers looking for finance who have been declined by other mainstream lenders. Sometimes their application was declined because they have unpaid defaults or undischarged part 9 Debt agreement or even bankruptcy on their credit report. You can get a […more]

Can I have a personal loan to repay defaults?

Feb 18, 2013 | | Say something

If you are under the impression that you can apply to a lender to take out a personal loan in order to pay out your unpaid defaults, you are not alone. Many Australian are looking for a debt consolidation/personal loan in order to pay out existing defaults. Borrowers with defaults can only qualify for secured […more]

Finding car finance with bad credit

Feb 6, 2013 | | Say something

Despite some bad credit there are quite a number of car finance alternatives available for a working borrower. Bad credit will not stop you from qualifying for a car loan, however what may impact your ability to borrow could be the extent of your bad credit, lack of a stable job or low income. Unfortunately […more]