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Whether you have bad credit or no credit, it’s tough to find a loan in Australia.There are several different types of bad credit personal loans to look into though, depending on what you need the money for. If you do, you might consider applying for a secured loan.If your car breaks down or you have an urgent medical expense, a payday loan may help you to stay on your feet.

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Otherwise, you could find yourself facing fees and penalties stacking up, both from the lender and from your bank if the lender overdraws your account.Major banks and financial institutions offer these, which is an advantage, considering that you are not going to be scammed by a company you’re familiar with.Secured loans are tied to some kind of collateral you own.Since they can take your collateral if you fail to pay up on your loan, they are more likely to risk dealing with someone with bad credit or no credit.If you don’t have collateral for a personal loan, do you have somebody you can trust with good credit?This is yet another way you may be able to apply for a personal loan with bad credit.

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