Finance Options for Low Credit and Bad Credit Borrowers
Having a low credit score or a history of defaults doesn’t mean your financial journey is over. At AJP Finance, we understand that credit history is only part of your story. Many lenders look beyond just the number and consider your current situation, income, and repayment ability.
Our role is to guide you through the loan options that may be available to you, explain lender requirements, and provide clear, honest advice on how to move forward.
Low Credit Score Borrowers
If your credit score is holding you back, we’ll explain which lenders may still consider your application and what you can do to strengthen it.
Individuals with Bad Credit History
We help clients who have past defaults, late repayments, or have been declined elsewhere to explore alternative lending options.
Builders with Bad Credit
For builders or contractors with ABNs, bad credit can make access to finance challenging. We guide you through construction loan options and equipment or asset finance that may suit your situation.
Investors with Bad Credit
Property investors with bad credit can still explore finance options. We’ll outline lenders that may work with complex credit histories and explain how investment loans can be structured.
What Are Bad Credit Loans?
Bad credit loans are designed for applicants who have:
A low or below-average credit score
Past defaults or missed repayments
Bankruptcy history or credit file concerns
Difficulty getting approval from major banks
These loans can be suitable for personal, business, or investment purposes, depending on your needs and lender criteria
How Can Our Team Help You to Reach Your Goals
Initial Chat
We start with a friendly conversation to understand your needs, whether it’s personal, business, or investment-related.
Information Gathering
We collect details on your income, expenses, credit file, and goals to identify what lenders may suit your circumstances.
Exploring Options
We’ll present loan options available for low credit or bad credit situations, explaining differences in terms, repayments, and lender requirements.
Application & Ongoing Support
Once you choose an option, we’ll help prepare and submit the application, keeping you updated until settlement.
