Bad Credit Loans up to $500

Get a good car loan deal with rates starting from 10%.

I want to borrow

Estimated repayments

$100

per week

$200

per fortnight

$400

per month

Standard term of 3 - 6 months

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Bad credit loans

If you’ve stumbled upon this page, you’ve likely been searching for bad credit loans. Well, we’re glad to say you’ve just found what you’re looking for; because Janko offers bad credit loans with no credit checks! We offer loans between $100 – $500 for when you hit a financial speed bump. Has your gas bill blindsided you? Easy. Apply with Janko for bad credit loans, and you could have funds in your account within minutes*.

The Janko difference

Different to most other short-term lenders, Janko has a unique way of processing applications for bad credit loans. Instead of manually assessing them, we have developed a sophisticated system that automatically retrieves the appropriate documents, assesses the applicant and drafts the loan offer, all within minutes. The best thing is, our Janko robot doesn’t need any beauty sleep. In fact, it doesn’t sleep at all! Feel free to shoot through an application at any time you wish; we’ll always to be ready to assess you for the funds you need. 

Bad Credit Loans: FAQ

Do you conduct credit checks for bad credit loans?

No. We do not conduct credit checks at Janko. Instead, we rely on a system that leans on the power of machine learning to determine each applicant’s affordability. We believe that bad credit shouldn’t hang around like a bad smell, which is why we only analyse an applicant’s recent bank statements to gauge their eligibility. So, as long as you manage your money well and can afford the repayments, you’re welcome to apply for bad credit loans.

What are your eligibility requirements?

As an Australian company, it is our wish to help any Australian looking for bad credit loans. Though, as we follow responsible lending guidelines, we do have some simple requirements that applicants need to check off before applying. They are as follows:

  • Applicants must be over the age of 18;
  • Receive a regular income into a personal bank account for at least the past 90 days;
  • Have an active mobile phone number and email address;
  • Use internet banking.

How long until I receive the funds

If you bank with an NPP or Osko enabled bank account (which includes 90%+ of Australian accounts), then you will likely receive your loan within seconds of accepting your bad credit loans offer. If you do not have an NPP or Osko enabled account, you can expect to receive the funds on the following business day. 

Do you offer bad credit loans for people on Centrelink?

Yes, we do! Our bad credit loans are not exclusive to those who are employed. If you’re receiving Family Tax, Carers Payment or other long term benefits, we can still consider your application. 

What’re you waiting for?

Now that you’re all caught up on everything bad credit loans, why not join the family? Let Janko be your go-to for fast cash solutions. Remember, we’re always in your back pocket. 

*Only available for NPP & Osko enabled accounts

For quick and easy finance, go Janko.

Apply now