Bad Credit Car Loans Perth

We’ve been helping Perth locals with bad credit get approved for car finance for more than ten years.

Bad Credit Car Loans Approved

Why Perth people choose us

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.


A trusted organisation

We’ve helped thousands of satisfied customers gain approval for their bad credit car loans throughout our time in operation.


Quick and simple quotes

An obligation-free quote takes a matter of minutes to complete and won’t affect your credit score.


Rapid approvals

We can get your application approved the same day you apply through our efficient processes and funded within 48 hours.

Some of the benefits of bad credit car loans

Tailored terms

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.

Flexible repayments

Giving you weekly, fortnightly or monthly payment options allows you peace of mind when it comes to budgeting your repayments.

Eligible if you have credit defaults  

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.

Centrelink income accepted

Our lenders factor in ongoing government benefits when working out your income, including single parent payments and aged pensions.

No deposits required

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)

Buy new or used

You can buy brand-new or second-hand with your bad credit car loans, widening your range of vehicle options to choose from.

How you can apply

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.

Bad Credit Car Loans Process

Work out what you want

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.

Find a loan that suits you

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.

Get approval

As part of our fast and efficient process, our consultants will carefully prepare your application to ensure it meets your lender’s requirements.

Get your keys

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.

Who can benefit from a bad credit car loan?

People with no borrowing history

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.

Self-employed people

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.

Casual workers

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.

People wanting a second-hand car

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.

Ex-bankrupts or people under Part IX

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.

Bad credit car loan eligibility

What are the eligibility criteria for no credit car loans?

If you’re in Perth, have bad credit and are looking for car finance, you will need to meet our eligibility criteria including:


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.


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.


Whether you’re full-time, casual or not currently employed, we can work with our partner lenders to find a loan to suit you.


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.

What documents do I need to provide my consultant?

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

  • A current driver’s licence (copy of front and back)
  • In some cases, a copy of an Australian or foreign-issued passport

Proof of income

  • Two recent payslips
  • Centrelink income statements (if applicable)
  • A tax return and an ATO Notice of Assessment completed within the past 18 months for the self-employed

Summary of expenses

  • 90 days’ worth of bank statements
  • An estimate of your living expenses, such as rent, utilities, transport and groceries

Your current debts

  • Credit card limits
  • Any outstanding debts you are paying off

Answers to some of your loan questions

Yes – you can buy from anywhere in the country. If you purchase your vehicle from interstate, you’ll have a grace period of a couple of weeks to license your vehicle in Western Australia, although you should do so as soon as possible.

Yes – you're eligible for a bad credit car loan if you work for yourself, including as a sole trader or independent contractor provided you have the documents to supply as part of your car loan application.

Yes – you can gain approval even if you’ve been denied financing recently. However, applying for a string of loans over a short period will affect your credit rating. We use high-tech software to match you to a suitable lender, meaning you don’t have to shop around or take a scattergun approach to your applications.

Yes – vehicles purchased under a bad credit car loan must be covered by comprehensive insurance. Your loan can cover the cost of insurance.

Yes – as long as you’re earning enough to cover your proposed repayments. When our lenders evaluate your income for a bad credit car loan, Centrelink payments such as single parent pensions can apply.

Yes – you can use your loan to buy a jet ski, a truck, a ride-on mower or even a forklift.

No – you cannot get guaranteed approval on bad credit car loans. All lenders will conduct credit checks when you apply for financing. You may be seeking guaranteed car finance with no credit check, and even no deposit, but this isn’t attainable. Our lending partners do not offer guaranteed car finance with no credit check and no deposit, but you can improve your odds of approval by clearing outstanding debts and saving money.