You can still get a loan with a bad credit history

If you’ve had any past credit impairment, the process of a getting a loan can be very challenging. The larger banks and lenders will often not be willing to help you for several years after the event. But there are still plenty of other lenders out there with less strict criteria for lending.

Here at Sprint Finance we can help people obtain finance that have credit impairment. There are many lenders in Australia that specialise in sub-prime lending. These lenders that are not discouraged by bad credit ratings, self-employment or previously denied requests for a loan.

So don’t let credit impairment dash your dream!, speak to one of the loan specialists at Sprint Finance. There are still plenty of lenders out there willing to support your financial goals. Sometimes it’s just a matter of finding the right one. Here at Sprint Finance, we’ve helped many customers get loans that would have otherwise been rejected by prime lenders.


Our process

Get in touch

Contact Nathan at Sprint Finance to book a consultation and look into your current financial situation. At the end of the session, you’ll have knowledge and tools to implement changes immediately that will have a positive impact.

First assessment

If options are available, we provide suggestions and request additional documents with financial details.

Lender comparison

After comparing dozens of lenders, we provide you with a shortlist of loan options.

Loan application

We prepare your loan application, arrange for it to be signed and sent to the lender.

Application review

Allow up to 2 weeks for the process – though we aim to have this done in a shorter frame of time.

Loan approval & settlement

Approval for your loan is obtained and loan documents are sent. Your loan will be settled a short time later.

Talk to Sprint Finance about finding a sub-prime lender.

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Why choose us?

Keeping it simple

We will thoroughly explain every step of the process for getting approved for a loan.


Talk to a loan specialist with over a decade of experience in the Mortgage Broking Industry.

Fast service

Fast track your approval for a loan and start paying off your debts faster.

Talk online

Our services can be conducted online via webchat and video conferencing.

Kind words from our customers

Frequently asked questions

A Mortgage Broker acts as a middleman between the borrower and the lender/bank. They will take the time to assess your financial situation by collecting all the relevant paperwork. After an initial assessment, they provide their recommendations for the best lenders available. These recommendations are based on your financial situation, purchasing power, and future investment goals. Long-term goals for paying off a house or purchasing more property in the future should all be taken into consideration.

You should first get in touch with a mortgage broker before you start looking for and bidding on houses. A mortgage broker will assess your financial situation and evaluate your purchasing power. When you know how much you can spend on a home loan, that’s when you know how much you can bid on for a house. So always get in touch with a mortgage broker before you start house hunting. 

A sub-prime lender is a loan provider that specialises in loans for people with poor credit ratings.

A sub-prime lender will be able to provide you with a loan when other lenders usually wouldn’t. That’s because their lending criteria are not as strict. A sub-prime lender is more likely to accept the following types of borrowers:

  • People with a previous history of being bankrupt
  • Those with a bad credit rating or history of defaulting
  • Someone who has arrears with car loans, credit cards or personal loans
  • People who are currently self employed and unable to provide two years of financial history
  • Someone who has previously been employed but has an unstable incom

Yes, we can. Our staff can arrange a time and meeting location appropriate for you. We are not limited by standard business hours.

Our staff are available for appointments 7 days a week. Our aim is to fit around your busy work schedule so there’s no need to arrange for time off work. We can come to your house 7 days a week when it’s convenient for you.

We will not charge you a fee for our service. Sprint Finance is paid a commission by the lender you choose. Details of this commission will be fully disclosed to you when you first get in touch with our service. Government and lender fees and charges will apply to your home loan. We will take the time to explain these fees and charges to you in greater detail if you need us to.

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