No Credit Check Loans Guaranteed Australia 

$50 to $5,000 paid out Today!


100% No obligation loan quote


Get your cash in 60 minutes once accepted*


We don’t credit check or charge any fees†

Fast 3 to 36 month online loans.



No Credit Check Loans

Taking out a short term loan may not sound feasible when you are receiving a meagre Centrelink income and your credit is bad. You are probably wondering if there is any way you can get access to no credit check loans guaranteed Australia. Read on as we explore your options when your credit score is low, and you are unemployed. 

No Credit Check Loans Guaranteed Australia

Can I take out no credit check loans guaranteed Australia when I’m on Centrelink?

No. It Doesn’t matter what type of Centrelink benefits you are eligible for. Guaranteed approval for loans in Australia is just non-existent. There is also no getting around credit checks even when you have a low rating. While it is true that there are less strict lenders out there, not one of them can offer automatic approval for any loan application, regardless of the borrower’s circumstances. Every legitimate lender out there understands how crucial credit checks are in checking a borrower’s information.

Still, this does not mean that you will have to give up any hopes of getting a loan when your credit is low and you’re on Centrelink income. There are lenders out there who are more than happy to lend you a hand despite your less than perfect credit score or when you are dependent on Centrelink income. 

When looking for lenders that can grant you a small loan, SamedayLend can help. We will get you connected with one of our partner lenders for that instant 60-second approval for loans that are less than $5000.

Is it more difficult to get approved for a loan when I’m a Centrelink customer?

While being a Centrelink recipient does make it a bit more difficult for you to secure a loan, it does not make it impossible. There are smaller financing providers out there that are more than willing to assist customers on government benefits and have low credit ratings. They will be more invested with your current ability to pay the amount you intend to borrow, so it doesn’t matter to them that you are getting Centrelink income. 

Cash Loan No Credit Check

Maximising your chances for a small loan approval

Pay off your outstanding debts

Outstanding debts will be reflected on your credit history and will likely and will likely lower your chances of getting approved. Paying off all of your existing debts before taking out a new loan is always the best thing to do.

Fix your credit

It helps to rebuild your credit score prior to taking out a new loan. Try to minimise your credit card usage and make sure to get your bills paid on time regularly. 

Meet the lending criteria

Find out everything you can about the loan and make sure that you meet the criteria. Failing to meet these requisites will only likely result in rejection which will only further damage your credit rating. 

Get your budget in order

It helps to set a budget ahead of time to get an idea of how much you can afford to spare for your loan repayments once all your essential expenses have been taken out of your income. With this, you are confident that you can make your loan payments on time. 

Be ready with supporting documents

Lenders will likely want to ask for more proof about the current state of your finances. It helps to keep a record of your finances including your payslips, invoices and your regular expenses so you can easily attach them to your loan application should the lenders ask for them. (Credit Representative Number - 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316). is not a lender and does not make credit decisions. matches customer applications with lenders in our network based on the information provided, in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to provide amounts up to $5000. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates.

1. Subject to application being approved by the lender. Not all lenders are able to provide up to $5000

2. Subject to lenders requirements and approval. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. 

Consumer Advisory: SamedayLend is a loan matching service. This site will submit the information you provide to a direct lender. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

All applications will be subject to credit checks and affordability assessments in line with responsible lending. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to $5,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans.

Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service to the public. To operate this service we receive a commission from the lender we refer you to.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.