Bad Credit Car Loans Sydney

By partnering with specialist lenders, we help Sydney locals unlock the best bad credit car loan deals with fast approvals.

Bad Credit Car Loans Approved

Why Sydneysiders buy their cars with us

When you live and work in one of Australia’s biggest cities, having a car to navigate the suburbs can be a real time-saver.

Our network of lending partners, experienced consultants and on-site technology helps us find bad credit car loans for people in Sydney just like you.

Our 100% online application process allows us to service all of NSW, from the outer suburbs of Newcastle to regional centres such as Dubbo and Bathurst. 

You can be approved as soon as the same day you apply to ensure you’ll be doing the school run or the morning commute in your new car sooner than you think.

money (2)

Pre-approvals available

Knowing exactly what you can borrow will give you a clear idea of your borrowing power and the upper hand when negotiating a price.


Expert guidance

Our consultants walk you through the application process step-by-step, giving you the confidence that you’ve put your best self forward.


Obligation-free quote

Submitting us an online quote won’t affect your credit rating and takes only a matter of minutes.

The key benefits of our bad credit car loans

Huge selection of vehicles

You can purchase new or used cars, as well as other types of transport including motorbikes, jet skis, boats and ride-on mowers.

Borrow up to 100%

You can cover the full cost of your car with your loan, including on-road costs such as registration and stamp duty in some cases.

Personalised repayments

Our lenders allow you to pay weekly, fortnightly or monthly to ensure you can tailor your repayments to whatever best suits your budget.

Flexible terms

You can take the time you need to repay your car loan, with lenders allowing you to repay your debt across one to five years.

A mix of income streams

Whether you’re self-employed, full-time or receiving Centrelink payments, we’ll find you a lender and a deal that works for you.

No early exit fees

Some of our partner lenders don’t charge early discharge or break fees, saving you money on interest if you’re able to pay out early.

How to apply online

Applying takes minutes and our experienced team aims to have you fully funded within 48 hours. Brushing up on our process with this step-by-step guide to applying will help fast-track your approval and get you on the road sooner.

Bad Credit Car Loans Process

Talk to us

Speaking to one of our team helps us understand what you need. By submitting an obligation-free online quote, a consultant can call you to talk through your options.

Apply for your loan

Once you decide to apply, we use state-of-the-art technology to match you to one of our specialist lenders. Your consultant will compare the top matched offers to determine which is the best deal for you.

Wait for approval

Once you’ve decided on your loan, your consultant will submit your application and you’ll likely get a decision within one day depending on your circumstances.

Buy your car

After signing a loan agreement and a credit guide once you’ve been approved, your funds will be released. From there, you can head out and buy your car.

The documentation you’ll need to apply

  • A copy of your driver’s licence (front and back)
  • An Australian or foreign-issued passport (if applicable)
  • Two recent payslips
  • Centrelink income statements (if applicable)
  • A tax return or an ATO Notice of Assessment from the past 18 months (if you’re self-employed)
  • The most recent quarterly bank statement
  • Living expenses including transport, rent and utilities
  • Your current credit cards and their limits
  • Any outstanding debt you are paying down

Your bad credit car loan questions answered

No – you can use bad credit car loans to buy vehicles anywhere across Australia, not just Sydney or NSW. If you purchase interstate, you’ll usually have around two weeks to register the car in NSW.

Yes – you can buy from private sellers. You are also able to use your bad credit car loan to purchase vehicles from car dealerships.

Additional expenses, such as on-road costs, you’ll have to factor in can actually be rolled into your loan. These include:

  • Registration
  • Compulsory Third-Party insurance
  • Stamp duty

Yes – our lenders are interested in what you can afford right now rather than your past financial issues. However, you will usually need to be some way through your agreement and prove you’ve kept up your repayments. Not all lenders will accept this, but we’ll help you find one.

No – no lender will offer guaranteed car finance with no credit check and no deposit. You can improve your chances of approval by paying down outstanding debt and having steady work.

Yes – you can be approved if your work is on a seasonal basis. You just need to demonstrate that your repayments are manageable all year round.

Yes – bad credit applicants who work for as little as three months with the same employer can apply. You don’t have to be working for more than a year to be eligible to take out a car loan.

Yes – we partner with lenders who can let you buy a car up to 25 years old by the end of your loan, giving you a wide range of potential vehicle purchase options. We can also help you purchase vehicles over 25 years old, which can be done through unsecured financing.