Supporting Financial Inclusion
SkyCredit is a leading financial services provider in Australia's near-prime credit market, empowering customers who fall outside of traditional bank lending criteria with fair, flexible credit solutions.
This near-prime segment represents a growing percentage of the Australian population and who are often overlooked by banks and mainstream lenders.
Our purpose: to provide fair, transparent personal finance products to help everyday Australians take control of their money, build stronger credit, and move forward finacially, with confidence.
Recognising Progress: Our Credit Boost Program
Our Credit Boost program celebrates customers who achieve significant credit score improvements while repaying their loan with us.
Each month, we highlight a customer who has made real progress and reward them with a cash amount equal to their point increase — recognising and rewarding a positive outcome.
This program is made possible through SkyCredit’s participation in Comprehensive Credit Reporting (CCR), which ensures both positive and negative repayment data is reported to credit bureaus on a monthly basis. CCR gives our customers the opportunity to rebuild and grow their credit profile over time — and Credit Boost brings that journey to life by recognising and rewarding those who are moving forward.
Here are just a few examples of how our customers are improving their credit and being recognised for it.
Amanda’s Credit Comeback
Loan: $2,400 household loan (March 2024)
Credit Score: 65→501 (436-point increase)
Through consistent repayment, Amanda dramatically improved her credit score and unlocked financial options.
As a long-time customer from Queensland, Amanda was approved for a $2,400 household loan in March 2024 with an initial credit score of 65. By October 2024, after consistently meeting her repayment obligations, credit score had increased by an incredible 436 points — reaching 501.
Belinda Fixed Her Car and Her Credit
Loan: $2,000 car repairs (May 2024)
Credit Score: 468→652 (184-point increase)
Belinda's responsible financial behaviour improved her score significantly in just six months.
Back in May 2024, Belinda was approved for a $2,000 car repairs loan. At the time, her credit score was 468. By November 2024, thanks to consistent, on-time repayments and responsible financial behaviour, her credit score had climbed to 652 — an impressive 184-point increase in just six months.
Karlene's Fresh Start
Loan: $2,050 bond loan (Dec 2023)
Credit Score: 28→498 (470-point increase)
In only five months, Karlene achieved a huge improvement by making consistent, on-time repayments.
Karlene from Victoria was approved for a $2,050 bond loan with Fair Go Finance in December 2023. She started with an initial credit score of just 28. By May 2024, through consistent, on-time repayments, Karlene’s credit score had climbed to 498, an outstanding 470 point improvement in just five months.