Rating based on 33 reviews

Club Money

  • Loans bad credit up to $1,500
  • Low-interest starting from 25%
  • Repayment up to 180 days

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Club Money homepage
Author Club Money. Screenshot of Club Money website.
[Accessed May 24, 2023]

About Club Money

With a stylish presence online and a growing presence in the market, a blacklisted loan from Club Money is often not as difficult to secure as many believe.

Although obviously compliant with legislation, this company has done the necessary homework to enable its many prospective clients.

Bad credit loans: Everyone deserves a second chance

All welcome and most leave smiling

Pitching its fast loans as an alternative for prospective clients who have been denied a loan elsewhere, Club Money is astutely geared towards this sector of the Australian population.

While certain preclusions remain (individuals whose income is solely derived from Centrelink will not qualify), as long as one meets their lending criteria, a bad credit history will not disadvantage you and you can access their very bad credit loans with guaranteed approval.

Everyone deserves a second chance

Endearing themselves to consumers through their “everyone deserves a second chance” attitude, this company is on the ball when it comes to loans.

For a bad credit online loan application, Club Money will take primarily recent banking history into consideration and recognises emerging capacity to repay a loan. Well presented and sleek in design, the website gives all necessary information required by any prospective client and their helpline is always available for queries, 9 am to 9 pm.

Club Money Services

Utilising the online application form will see a client with funds available often on the same business day or the day following application.

The offer of a bad credit loan is extended to anyone making $1000 a month in take-home earnings. In addition, 100 points of ID is required.

Are you self-employed?

Although not visible in the FAQ upon scroll-down on the bad credit loans page, self-employed clients will qualify based on the above as well as the criteria of being 18 or older, an Australian citizen and a bank account in good standing in their name.

Submitting details electronically is simple enough and the process has been pared down to render it unobtrusive and logical.

How much is enough? Get your very bad credit loans with guaranteed approval 

Short term loans are capped at $1500 and start at $250. 30 days of banking in good standing, along with that minimum $250 a week income will see any consumer aided by this company.

Although small in size to some, the offer has been widely utilised by many Australians. A well managed bad credit loan from Club Money will also go towards reestablishing a client’s credit rating over the long term. A bad credit loan of $1000, for an example, will cost $1350 over 180 days. The minimum term is 16 days and 180 the maximum.

Club Money – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate from 25%
  • Loan Amount up to $1,500
  • Repayment 16 days to 180 days

Benefits of Club Money

  • Cash Loans
  • Online Loans
  • Small Loans
  • Same Day Loans
  • Fast Loans
  • Quick Loans
  • Low Interest Loans
  • Circumstances
  • Bad Credit Loans
  • Car Repair Loans
  • Medical Loans
  • Instant Cash Loans
  • Bond and Rent Loans
  • Holiday Loans

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Convenient and flexible bad credit loans at your fingertips

As a direct result of the successful repayment of an initial payday loan with Club Money, a returning client can often increase either the sum borrowed or the repayment term.

Get more next time around

Ultimately, while the same criteria will apply - a solid bank account and an affordable amount requested - nonetheless Club Money will eventually enable a client to move into a different loan category, provided their history at the company is a good one.

Club Money: Very bad credit loans guaranteed approval 

Empathetic lending

If unable to meet a looming repayment, you're advised simply to call in at least 2 days before the time and rearrange the scheduled payment. The company takes the view that those who make that small effort are not penalised.

Interest-free loan!

Currently offering a month interest-free as well as 25% off monthly fees, it’s not hard to see why this company has been so well received by Australians.

Club Money is a strong contender in the bad credit loans market and this aspect of their business is growing year on year.

Less complicated

While most lenders make getting a loan very difficult for those with bad credit, the benefit of a bad credit loan from them is that they make the process smoother.

Their online application (which can be completed under 5 minutes) means that you won't have to go through countless paperwork and never-ending questions. They do things differently. They have a less intrusive process because they only offer small bad credit loans, therefore compared to big banks, they need fewer details.

All your needs are taken care of

If you have any questions regarding your very bad credit loans guaranteed approval or need help with the application itself, you can get in touch by calling them and you'll be assisted by one of their friendly team members who will help you with whatever you need

Transparency is key

They don't only offer flexibility, they also offer you complete transparency when it comes to loan fees.  Not only are they upfront about what your bad credit loan will cost you, but they also make sure to outline all your fees in a clear and easy-to-understand way.

In this way, they keep you informed and in control of your loan - yet another reason why Club Money should be your go-to when you need very bad credit loans with guaranteed approval.

Customer Reviews & Testimonials

November 2018

I got my money on the same day! Amazing!

Lucy R
— Melbourne —

October 2018

This is my second time getting a loan through Club Money and once again I was blown away by the excellent, fast service. I honestly can't complain about anything.

Chris J
— Adelaide —

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