Skip to main content

Defaults

3 articles

Paid vs unpaid defaults, how long they last, and which lenders overlook them.

Use the Approval Likelihood Calculator to model your exact situation — including your defaults factors.

Calculate my approval likelihood →

Defaults

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

Defaults

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

Other guide categories

Why Declined

Most declines come down to five factors — and credit score is only one of them.

Credit Score

What Equifax scores mean, how bands work, and what moves the number.

Employment

How lenders verify income across PAYG, casual, and self-employed.

Browse all guide categories →

This is general information only and not financial advice. Results are indicative and may vary by lender.