Do you meet the following criteria

  • You earn over $45,000 per annum from your employment
  • You’ve been employed full time for 1+ months, or casually employed for 3+ months
  • You have no more than 2 current PayDay Loans (loans $2,000 or less)
  • You don’t use Buy Now Pay Later facilities excessively (AfterPay, ZipPay, Humm)
  • You meet your current financial commitments without payment dishonours or hardship claims
  • You don’t have excessive gambling or cash withdrawals from ATMs in your bank statements
  • You have defaults under arrangement, or you are willing to put under arrangement

Bad Credit Personal Loans

A Second Chance For Good People!

Loandsandmortgage was founded on the idea of helping good people that want to do the right thing with their loans and credit rating to get back on track financially.We’ve helped thousands of customers that were needing some money to consolidate some debts, fix their car and even to head away on their long awaited holiday.

If this sounds familiar, we may be able to help. You’ve had some issues in the past that are now no longer holding you back from being able to repay your next loan commitment.


If this is you, then our team will do everything in their power to help find the right loan product for you.We have been providing loan options to people with less than perfect credit files since 2006. The knowledge and expertise that we have gained over the years allows us to fully understand just about every scenario thrown our way.

Personal loans


5 Simple Steps to Getting Your Personal Loan: –

  1. Apply-You can complete your personal loan application either online or over the phone with us.
  2. Upload some documents-We will ask you to provide proof of income and identification.
  3. Get Approved-We’ll discuss all components of your personal loan approval with you. From interest rate, to repayments, loan term, and any fees involved; you’ll know the details inside out!
  4. Sign your loan contracts-With our technology, you can simply sign your personal loan documents electronically.
  5. Proceed to settlement-Your loan funds will be available to you within one business day. It’s that simple.
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