Defaults
6 articlesPaid vs unpaid defaults, how long they last, and which lenders overlook them.
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What Happens If I Miss a Personal Loan Repayment in Australia?
A missed repayment isn't a default — but the two are connected by a clear timeline, and you have rights at every point in it. Here's exactly what happens and what to do.
Defaults
Can I Get a Personal Loan After Bankruptcy in Australia?
Bankruptcy makes mainstream lending essentially off the table while it's active, and lender-dependent afterward. Here's what happens to your credit file, your NPII record, and your realistic options at each stage.
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What Is a Serious Credit Infringement in Australia?
A serious credit infringement is a different, more severe listing than a standard default. Here's what it means, how long it stays, and what to do about it.
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Can I Get a Loan With an Unpaid Default in Australia?
An unpaid default puts your personal loan application in the Unlikely — needs improvement band. That is the standard outcome, and for most lenders it is a hard stop. The exception is if you have a
Defaults
Can I Get a Personal Loan With a Default in Australia?
Yes — but the answer depends on one specific distinction: whether your default is paid or unpaid. A paid default puts your application in the Possible — lender dependent band. An unpaid default pu
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What Is a Default on Credit File Australia
Many people discover they have a default on their credit file only when a personal loan application is declined. If that has happened to you — or if you are checking before applying — this article exp
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This is general information only and not financial advice. Results are indicative and may vary by lender.