Responsible Lending

Bad Credit Cash Advance works with integrity and is very well concerned about our accountability towards our borrowers. Our method of working is a transparent one which made it possible for us to treat our borrowers in fair and responsive way.

What are our responsibilities?
Bad Credit Cash Advance is an online loan service provider and we are not lenders. We don't offer loans, but we help borrowers in accessing lenders who offer loans. We are associated with a panel of trusted lenders with whom we have been working for quite a while. We don't share your information with anyone except our associated lenders. We do not hand over your details to any unauthorized lender who is not registered with us. We restrict illegal access by unlicensed lenders.

We never purposely misguide borrowers with inappropriate loan options. Nor do we encourage our applicants to take up a particular loan offer. You have the right to make the decision when it comes to payday loans. We at, Bad Credit Cash Advance will never advise borrowers with loan options which are not affordable or financially viable to the borrowers.

Most importantly we will never charge our borrowers for application and processing. We offer free services to our borrowers. We treat our customers equally and make sure that the customer details should remain safe and secure with us. We use a secure server online. This means that all your information remain protected when you apply online.

What are your responsibilities?
Before you get ready to apply for loans, read the loan fine print details carefully where every single thing about loans have been discussed. Make sure you understand the terms and conditions before signing the loan offer. Moreover you will get a clear idea about the repayment structure designed for you. If you have past debts to clear off then you must get another loan since you might not be able to pay off the loan debts on time. You must seek for a loan option which suits your affordability. In case of other doubts about repayment, then ask for a loan quote before you make a loan commitment.

The operator of this website is not a lender and does not make credit decisions. The information you provide will be used in securing you a payday loan with one of our carefully selected panel of leading Payday Loan Lenders in Australia. The personal, financial and employment information that we collect is stored electronically during the duration of the application and is removed from our system upon acceptance from the lender.

Please note that payday loans are meant to be used for short term financial emergencies and are not designed to provide long term solutions


We expect you to repay your loan on the date agreed, so if you do not think you are in a position to make your repayment, please do not apply with us in the first place. It is not worth risking your credit rating for such a small amount.

APR Example: You Borrow - $300 You Pay - $372 Representative APR 1223.6% (Variable)
147 Denton Avenue, St. Albans 3021, Victoria, Australia