Guaranteed Car Loans With Bad Credit

We make your road to bad credit car loan approval a smooth one, even if the path is a little rocky.

Bad Credit Car Loans Approved

Why choose Bad Credit Car Loans?

Having a car to get you from A to B is one of life’s necessities and a bad credit rating shouldn’t stop you from getting behind the wheel. While there are no 100% guarantees in the bad credit car loan process, we’re here to help make things easier when it comes to purchasing your vehicle.

We partner with lenders who can get you back on the road. By following some of our tips and applying with us, you can accelerate approval of your car loan.


We’re fast

Once you complete your application, we get to work matching you with a suitable lender. We can get approvals within 24 hours and the funds to you or your seller within 48 hours.


100% online

The entire application can be completed online, even using your smartphone, so you can do the whole process from the comfort of your own home.


Expert guidance

With more than a decade of industry knowledge, our consultants have unrivalled experience in getting your bad credit car loan approved.

Features and benefits of bad credit car loans

Flexible repayment terms

You can tailor your loan to suit your needs. Take between one and five years to pay off your car loan to make your repayments manageable.

Varied employment statuses accepted

Whether you’re working full- or part-time, self-employed, a seasonal worker or receiving an alternative income, we’ll work with you to find a suitable loan.

Borrow 100% of your car’s value

Our lending partners will allow you to borrow up to 100% of the total value of your new set of wheels. Some will even roll in insurance, rego and other on-road costs.

Optional deposits

You can also choose to pay a deposit upfront to reduce repayments and your overall costs if you find yourself with enough savings to do so.

Buy new or used

You can opt for a brand-new or second-hand car up to 20 years old bought at a dealership or privately, giving you more options to choose from.

No early repayment fees

Some of our lending partners will let you pay off your loan earlier than planned without incurring costly penalties, allowing you to reduce your interest bill.

Your guide to our bad credit car loan process

We believe in giving people a second chance. Bad credit history, past defaults or even bankruptcy doesn’t have to mean it’s the end of the road.

We partner with a range of understanding lenders who work with you to get you approved for the car you need.

While there’s no such thing as guaranteed auto financing, we can 100% assure applying for bad credit auto financing is straightforward with us.

Submit a quote

After sending us a quick quote, one of our consultants will call to discuss your options and what you need.

Complete your application

Applying allows your consultant to match you with one of our specialty lenders. From there, we’ll guide you through the approval process and prepare your formal application.

Get formal approval

Our approval times are fast-tracked, so you’ll find out in one business day whether your bad credit car loan has been approved.

Sign your contract and drive away

Once your loan is approved, your consultant will send across a digital contract for you to sign. From there, the loan funds will be released and you can drive away.

Bad Credit Car Loans explained

Is there guaranteed approval on bad credit car loans?

No – lenders won’t offer you guaranteed approval on bad credit car loans. However, we make it much easier for applicants with more complicated financial histories to gain loan approval.  We partner with a range of lenders who are willing to work with your financial situation and find a deal to fit your circumstances. We can help the following customers achieve loan approval:


Having defaults stuck to your credit file may reduce your finance options, but it doesn’t rule them out entirely. We partner with a range of lenders more interested in your current ability to pay back a loan than your credit score.

Discharged bankruptcies

Being an ex-bankrupt or under a Part IX debt agreement can close off many of your finance options, especially from the big banks. We can help you access the financing you need by looking at your current situation and finding you the right deal to get back on the road. 

Earnings via Centrelink benefits

Borrowers receiving long-term and ongoing government benefits, such as disability or aged pensions, can find it tough getting a lender to hear their case for a loan. We partner with financiers who take these payments into account when determining your regular income.

Casual or short-term employment

Most lenders require you to have consistently worked for the same employer for more than a year. We partner with a range of lenders who are more accepting of your shorter-term employment status.

How can I improve my chances of approval?

There are some things you can do to improve your chances of getting the green light. Some factors which will increase your chances of approval include:

Stable income and employment

Lenders will want to know that you can manage the agreed repayments over the life of your car loan. Having a steady job with a regular income will make you more attractive to lenders.

Consistent residential history

Lenders are looking for borrowers with stability. Being able to prove you have a strong residential history means costs such as weekly rent are unlikely to fluctuate, ensuring you can afford your loan repayments.

Affordable loan amount

Be realistic about how much you can afford to borrow. While most lenders offer loans of up to $50,000, you’re likely to be approved for a lesser amount (although it depends on your situation and interest rate).

Keeping your spending in check

Lenders will want to see that you’ll be able to make your repayments without it becoming a financial burden. Proving you’re sensible with your money can be looked upon favourably by lenders.

Top tips for what to do before you applying

Check you’re eligible

To apply for a bad credit car loan, you must be an Australian citizen or resident, over 18 years old and earning a regular income.

Know what you can afford

Estimate your current living expenses and liabilities, then work out a rough calculation of how much you might be able to afford to borrow and repay comfortably.

Understand the fees

Under a bad credit car loan, most lenders could charge you higher administration fees or penalties for late payment, so you should be mindful of these.

Gather your documents 

Ensure your most up-to-date personal documents, such as bank statements, payslips and driver’s licence, are on hand before starting an application to avoid delays.

Answers to some of your bad credit car loan questions

No – all lenders will conduct a credit check during the application process. Lenders offering bad credit car loans are quite flexible, so credit history shouldn’t be a major worry. In most cases, the credit check is conducted to review things like your residential history and whether there are any similar defaults on your file.

As part of the application, you’ll be asked to submit personal documents to our consultant. These include:

  • A driver’s licence (front and back) or a passport

  • Two of your most recent payslips

  • 90 days of bank statements and Centrelink income statements (if applicable)

  • An application form, consent form and credit guide (these will be supplied by your consultant)

Yes – you can use your loan to remedy your credit rating, but improvement won’t happen overnight. Sticking to your payment arrangement over the life of your new loan will reduce your risk profile over the years and demonstrate you’re a responsible borrower.

Yes – many lenders will view government support measures such as a disability pension or Centrelink payments are regular income. Temporary assistance packages such as JobSeeker or Youth Allowance won’t count when assessing your earnings.

Potentially, yes – you’ll need to prove to a new lender that you’ve kept up to date with your bad credit car loan repayments and are in a much better financial position. If you can show that your situation has improved, it’ll make you more attractive to lenders and can open up the possibility for better rates and fees.

Yes – if you can show your lender that your income is enough to cover the regular repayments and that you have savings in the bank, you can still be approved for a car loan. While most lenders will treat no borrowing history as akin to a bad one, we look at your current financial situation when considering your application.