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Get Low Income Loans online, fast!

If you need to Apply for Loans for Low Income Earners then You've come to the right loan lenders.

Are you a parent or student working part time to support your studies or growing family, or do you work part time or full time in a low paying job? No matter your situation, we can arrange a personal loan for low income earners of all types, including working students and working parents.

Apply now

Taking out a loan with low income is easy with Champion Loan lenders

If you need finance for up to $2000 for bills, bond & rent, to buy a car or repair one, medical and vet expenses, household items, special events, dental, emergencies and more, the Champion Loans Maroochydore team can help.

We talk to you, individually, to set realistic personal installment loan repayments you can afford over a time period that suits your budget.

Worried about something?  Past credit mistakes, bad credit history, defaults, not long at your address? Don’t be.  With us, you don’t have to fit a criteria when applying for our easy low income loans.  We look at every low income personal loan application on its own merits.  We know most people can’t ‘fit a box’ so we don’t ask you to.  We’ll listen to your story, and our experienced and friendly loans team will endeavour to find a low income loan that’s right for you.

When you apply for a low income personal loan our lenders ask for a car for security, it doesn’t matter what the personal installment loan is for, marriage, dental expenses, vet visits - whatever.  

We arrange fast low income cash loans that are flexible and affordable – no application or ongoing fees - no early payout penalties – You only pay interest for the exact time you have the money. The quicker you pay back the money, the more you save and the better it is for you!!  What’s more, our contracts are simple and easy to understand – no fine print to cause you grief, no hidden fees to shock you later.

We invite you to apply for low income loans online, in person or over the phone. Our online money loans team will have an approval for you in 4-8 business hours with cash in your bank account overnight.  And it doesn’t end there. Once you’re in with us, you’re in for life – we’ll always be there for you. What are you waiting? Apply online or give us a call for more information about our loans for low income earners, and to have a confidential chat about your situation. 

Am I eligible for a cash loan?

Our criteria is simple, you need to...

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Be over 18 years of age

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Be an Australian Resident

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Have a regular source of income

 Wages/salary, self employed, or on a Centrelink pension.

Worried about past mistakes? Don't be, our bad credit cash loans are flexible. We take many things into account when assessing cash loan applications, not just your credit history. 

We do not expect you to fit into a neat, little box - our staff will listen to your individual circumstances and do their very best to help. Read our testimonials to see how our quick cash lenders have helped others. 

Unfortunately, we are unable to help if your only income is Newstart allowance, Youth allowance or Austudy allowance. 

Apply Now!

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Why Choose Champion for personal loans, business loans and more.

  • We accept poor and bad credit.
  • Loan applications can be made online or in-office at our Maroochydore loans office.
  • Centrelink pensioners are welcome.
  • We provide a transparent, friendly and personal loan lender service.
  • You can rely on fast loan approvals.
  • Our online loan application process is simple and straightforward. 
  • We're based on the Sunshine Coast, but provide personal and business loans to clients across Australia.

Apply Now!

What our clients say.


  • Ataliyah
    a week ago
    Grateful to champion loans! I don’t have a good credit score and could not find a place that would accept me until I came across champion loans who were willing to give me a go! Katherine was amazing through both my loans. Extre...

  • bianca Philippi
    3 weeks ago
    Champion loans have been an amazingly helpful to me over the years. My family have had a few emergency situations where we have needed extra money. It was easy to apply and we were given approval the same day and everyone we have...

  • Jessie Eames
    2 weeks ago
    Champion loans have been a life saver when it comes to urgent funds, staff have been amazing and incredibly helpful, so happy I found this company :) keep up the amazing job, will definitely suggest to friends/family if they are ...

  • Julie Clarke
    a month ago
    Champion loans have very friendly staff,they are efficient and fast and keep you informed on the progress of your application.Being on a pension is no barrier,as l have had at least 8 loans with them! They literally,save my life,a...

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Developed by KOOK

Calculate your repayments 

Step 1: Select Loan Amount
 
Loan Information:
  • $The maximum you will be charged is a flat 20% Establishment fee and a flat 4% Monthly Fee with a comparison rate of 132.23% p.a. This comparison rate is based on a small amount credit contract of $700 repaid over 12 months with an establishment fee of 20% any monthly fees of 4%.
  • $The above repayment is based on an interest rate of 48.00% and establishment fee of $400.
    Comparison Rate: 69.38% p.a. This comparison rate is based on a loan for an amount of $2500 over 2 years and a $400 establishment fee .
  • $The above repayment is based on an interest reate of 48.00% and establishment fee of $0.00.
    Comparison Rate: 48.00% p.a. This comparison rate is based on a loan for an amount of $2500 over 2 years and a $400 establishment fee.
  • $The above repayment is based on an interest rate of 23.00% and establishment fee of $800.
    Comparison Rate: 38.59% p.a. This comparison rate is based on a loan for an amount of $6000 over 2 years and an $800 establishment fee .
  • $The above repayment is based on an interest rate of 21.00% and establishment fee of $800.
    Comparison Rate: 28.92% p.a. This comparison rate is based on a loan for an amount of $8000 over 3 years and an $800 establishment fee .
  • $The above repayment is based on an interest rate of 18.9 % and establishment fee of $800.
    Comparison Rate: 25.05% p.a. This comparison rate is based on a loan for an amount of $10,000 over 3 years and an $800 establishment fee .

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

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