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Bad Credit Car Loans Dealerships

We help motorists with bad credit get the green light on car loans. Apply now and buy your next car privately or at a dealership.

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Why people choose us to help them buy their car

Shopping for a car can be one of the more exciting parts of the purchasing process. That’s why we partner with lenders who let you buy new or used through a dealership, giving you more options when browsing the market.

By applying through us, we can have you approved and funded in as little as 48 hours. Apply now and select your ideal car when you choose with us.

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Completely online

Our application and approval processes are fully online, allowing you to apply from wherever you live via your computer or smartphone.

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No-obligation quote

Dipping your toe in the water and getting a quote from us costs nothing and doesn’t bind you to any agreements.

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Specialist lending partners

We partner with a panel of flexible lenders who specialise in helping people from diverse financial circumstances.

Features and benefits of bad credit car loans

Buy new or used

You can buy brand-new or second-hand cars from showrooms or private sellers across the country.

Make extra repayments at no cost

We can connect you with lenders who don’t hit you with fees if you want to make additional payments and pay your loan off faster.

Available to self-employed workers

If you work for yourself, including as a tradie or a freelancer, you can apply for car finance, even if you don’t have all the key documents.

Centrelink income accepted

Ongoing government support payments, such as the aged pension or parenting payments, can be factored in as assessable income.

Fixed ongoing repayments

Having a fixed interest rate means the value of your repayments will stay the same for the life of your loan, making for easier budgeting.

Paid or unpaid defaults? No worries

Don’t stress if you have paid or unpaid defaults on your credit file; our lenders will work with you.

Applying for your car loan

Bad Credit Car Loans Process

Request a quote

Complete a free quote via our website. A consultant will call you to talk options or you can move straight into an initial application.

Lock in your perfect match

To get you the best shot at approval, your consultant uses our high-tech software to match your application to the most suitable lender.

Have your application prepared

Sit back and let us submit your application for you. Your consultant will know your lender’s criteria intimately to help you get approved.

Sign your contract and receive your funds

Your consultant calls when you’ve been approved. They’ll email you your digital loan contract to sign so your funds can be released.

Should I buy through a dealership or private seller?

Shopping for a new car usually involves peering through the windows of your nearest car showroom or flicking through the cars guide. Deciding where to go when purchasing can seem complicated, so we’ve compiled a handy list of pros and cons when buying privately or through a car dealer.

Dealerships

Pros

  • Warranty: New and used cars bought from a dealership come with warranties covering you in the event of manufacturing faults. Warranties on new cars cover you for up to seven years or your first 100,000km. Used car warranties, on vehicles with under 160,000km, usually guarantee you coverage for three months or 5,000km from the purchase date.
  • Thoroughly inspected: Reputable dealers will ensure all new and used cars undergo stringent roadworthy and maintenance checks before they can be sold. However, it’s always good to organise an inspection if the car you want is second-hand.
  • Handle the paperwork: Once you’ve selected a car, the salesperson will organise insurance for the vehicle and prepare the registration transfer so you can drive it out of the dealership. This saves you the hassle and run-around involved with getting a car on the road.

Cons

  • More expensive: You’ll likely have less wriggle room on price if you’re buying from a showroom. Dealers want to make a profit on what they sell, so the prices will be higher to factor in a profit margin. In-house car financing offered by the dealer also tends to be more expensive and inflexible.
  • Added costs: Dealerships can sting you with extra charges such as ‘delivery fees’, which can cost you anywhere north of $500. This charge is for the detailing and servicing of the vehicle, as well as the dealer doing the registration and insurance paperwork.
  • Sales tactics: Salespeople have profit margins to meet and sales goals to hit. You could be talked into a lot of unnecessary add-ons such as cargo trays, chrome-plated wheels and anti-theft devices.

Private sellers

Pros

  • Better prices: Buying a second-hand car from a private vendor is likely to cost less because you’ll be able to negotiate with the owner and the cars themselves are used.
  • Less pressure: The owner of the car you want to buy isn’t trying to hit sale targets or boost their commission, so there may not be as much pressure on you to buy if what you’re looking at isn’t quite right.
  • No added costs: Outside of buying the car and paying the on-road costs, there aren’t really any other fees when buying privately.

Cons

  • No warranty: You don’t get a warranty if you buy out of a newspaper or from a website listing. That means you’ll have to fix any faults or issues that crop up with the car down the track.
  • Unknown sellers: You’ll probably deal with a stranger when buying a car privately. They may not be forthcoming with the car’s history if there have been issues in the past. It’s always a good idea to take a friend or relative along with you to inspect the vehicle, take it for a test drive and arrange a professional inspection.
  • You do the paperwork: Once you buy your car, it’s up to you to fill out the paperwork for registration transfer and comprehensive insurance.

Your frequently asked questions

Yes – dealerships do accept bad credit applicants, but their terms are usually quite inflexible. In-house financing typically ends up costing you more in unnecessary extras and gives you fewer options, such as being restricted to finance on new vehicles at inflated purchase prices.

You’re able to take out loans starting at $5,000 and can borrow up to $100,000 in certain cases, such as if you’re a high income-earner. A lender will determine your borrowing power by assessing factors such as your income, expenses and current debt.

Bad credit loans come with fixed interest rates. This has many benefits, namely protecting you from any rate rises and keeping your payments predictable over the life of your loan.

Yes – you can buy from anywhere in Australia, including outside your home state or territory. If you do buy across the border, you get a 14-day grace period to transfer the rego into your name. You can even buy through our in-house car broker, Vehicles Direct, which can help you source your vehicle from around the country.

You can buy a used car up to 20 years old at the time of purchase or 25 years at the end of your loan term. This gives you a wide range of options to choose from when seeking out the ideal car for your needs.

Yes – you can bundle other costs such as your registration, insurance and stamp duty into your loan amount to cover some of the key costs of getting your vehicle on the road.

Yes – because your disability pension forms a part of your regular income, you are eligible to apply for a loan. This is the same for other fixed payments such as single parent payments and the aged pension. However, you’ll likely need to have been working consistent hours at your current place of employment for several months leading up to your application.

No – credible lenders check the borrowing history on all applications. However, if you’re applying for a bad credit loan, your approval won't rely on a spotless credit history. It’s also a good idea to tread carefully with lenders offering ‘no credit checks’.