Bad credit?
You’re still approved.
Knocked back by the banks? Have defaults, part IX or ex-bankruptcy? We work with lenders across Australia who say yes when others say no.
Why us
Built for the people banks say no to
Fast approvals
We match you to a suitable lender and get your loan approved and funded in as few as 48 hours.
100% online
Apply from anywhere in Australia on your phone or laptop. No paperwork mountain, no branch visits.
Second-chance specialists
Defaults, part IX, discharged bankruptcy or Centrelink income — we know which lenders will say yes.
No hit to your credit
Your obligation-free quote is a soft check — it won't leave a mark on your credit file.
How it works
Four steps to your keys
Submit your free quote
Tell us a bit about you and the car you want. Takes about 2 minutes.
Speak with a specialist
One of our bad credit consultants calls to talk through your options — no obligation.
Get approved
We shop your application to lenders most likely to approve you, then present the best offer.
Drive away
Funds settle direct with the dealer or seller. You pick up the keys.
Loan types
Whatever's on your file, start here
Our panel of lenders assess your current circumstances — not just your past. If you have stable income and can afford the repayments, chances are we can help.
Check your eligibilityDefaults on file
Paid or unpaid — we work with lenders who look past them.
Discharged bankrupt
Once your discharge is finalised, you have options.
Part IX debt agreement
Current or completed — we've helped hundreds.
Centrelink income
Stable Centrelink payments can be accepted as income.
Self-employed / ABN
Low-doc and short-ABN options available.
Previously refused
Been declined elsewhere? That's exactly who we help.
A real second chance, not a script.
Our consultants are humans — Australians who've helped thousands of borrowers rebuild after a rough patch. No judgement, no jargon, no fine-print surprises.
Start my applicationOur lender panel
Backed by lenders across Australia
FAQ
Straight answers
Will applying hurt my credit score?
No. Your initial quote is a soft assessment that doesn't leave a mark on your credit file. A hard enquiry only happens with your consent once you're ready to proceed with a lender.
How bad is 'too bad' for you to help?
We can usually help if you have stable income, can afford the repayments and any bankruptcy is discharged. The best way to know for sure is to submit an obligation-free quote.
How much can I borrow?
Most bad credit car loans fall between $5,000 and $100,000, secured against the vehicle. Your borrowing capacity depends on income, expenses and the car you're buying.
How fast can I get the money?
Once you're approved and settlement documents are signed, funds can be released to the dealer or seller in as little as 24–48 hours.
Can I use it to buy privately?
Yes. We fund cars from licensed dealers and private sellers Australia-wide, as long as the vehicle meets our lenders' criteria.
Ready to get the keys?
Free quote, no obligation, no impact on your credit score. Get an answer in minutes.