Bad Credit Car Loans Perth
We’ve been helping Perth locals with bad credit get approved for car finance for more than ten years.
We’ve been helping Perth locals with bad credit get approved for car finance for more than ten years.
Getting a car loan when you have a few dings in your credit score can feel like driving into a heap of dead ends, but it doesn’t have to be.
For more than a decade, we’ve helped steer Perth people with bad credit in the right direction.
Our efficient online application process means we can help you whether you live in Perth’s bustling CBD, along the coast in Bunbury or in the goldfield town of Esperance.
By partnering with specialist lenders, we can find a bad credit car loan to suit your unique circumstances.
We’ve helped thousands of satisfied customers gain approval for their bad credit car loans throughout our time in operation.
An obligation-free quote takes a matter of minutes to complete and won’t affect your credit score.
We can get your application approved the same day you apply through our efficient processes and funded within 48 hours.
Paying your car loan off over as little as one year or as many as five gives you control over the terms of your finance.
Giving you weekly, fortnightly or monthly payment options allows you peace of mind when it comes to budgeting your repayments.
Don’t stress if you have a few black marks on your credit file. Our lenders focus on what you can afford here and now.
Our lenders factor in ongoing government benefits when working out your income, including single parent payments and aged pensions.
There’s no need to pay an upfront deposit, as we can help you get approved to borrow the full value of your car’s price (and sometimes more)
You can buy brand-new or second-hand with your bad credit car loans, widening your range of vehicle options to choose from.
We know you’d rather be in the driver’s seat of your new car instead of filling out paperwork.
Getting to know our approval process will ensure you have less time on the phone and more time on the road.
Submitting an obligation-free quote gets you in touch with our experienced consultants. They’ll find out your wants and needs in a bad credit car loan.
Once you’ve decided to apply, our state-of-the-art technology will match you with a suitable lender. From there, your consultant will gather your details and help build your application.
As part of our fast and efficient process, our consultants will carefully prepare your application to ensure it meets your lender’s requirements.
Once your application has been rubber-stamped, you’ll be asked to sign a loan agreement and credit guide. Once returned, your funds are released and you can buy your new vehicle.
We focus on what you can afford now, so don’t worry if you have little to no lending track record. Our consultants will help you with a rough budget to see what you can afford to borrow and go from there.
Our consultants work with freelancers or tradespersons, who can find it hard to get the documents many lenders require for car loan applications. We can help you explore low-doc options if you’re looking at vehicles for business use.
Our specialist lenders make it easier to get a car loan if you’re a casual or short-term employee. So, while some mainstream lenders will require you to have worked for 12 months consistently for the same employer, our lending partners don’t.
Our lending partners can help if you’d prefer a used vehicle over a brand-new model. In fact, our lenders will help you finance any car under 20 years old at the time of purchasing, widening your options when you’re looking for your next drive.
Second-chance financing is about giving people just that: a second chance. So, if you’re an ex-bankrupt or currently under a Part IX debt agreement with creditors, we’ll match you to one of our suitable lenders who can help you achieve your car loan dreams.
If you’re in Perth, have bad credit and are looking for car finance, you will need to meet our eligibility criteria including:
Age
You will need to be over 18 years of age to apply for a bad credit car loan. If you’re an older borrower, such as an aged pensioner, you’ll have to show your lender how you intend to cover repayments.
Residence
You must be a permanent Australian resident or citizen to apply in most cases. However, we do work with people holding temporary visas and temporary residents.
Employment
Whether you’re full-time, casual or not currently employed, we can work with our partner lenders to find a loan to suit you.
Income
You must be earning some form of regular income. Our specialised lenders accept a wide variety of income streams, including ongoing Centrelink payments, when approving bad credit car loans.
You will be asked to submit documents to your consultant as part of the online application process. Having these on hand will help fast-track the road to getting your new car. These documents will include:
Proof of identity
Proof of income
Summary of expenses
Your current debts