Guaranteed Car Loans No Matter What

Looking for a car no matter what your credit score is? We help find the most suitable car loan for you among our lending partners. 

Bad Credit Car Loans Approved

Why Australians turn to us to help them finance their car?

Searching for a lender willing to look beyond your imperfect credit score can seem like a difficult task, but it isn’t. We understand the challenges of a poor credit rating when all you want is another shot at borrowing.

While guaranteed approval isn’t possible, our consultants can help find you a suitable lender, no matter what your bad credit history involves. Apply today and we’ll help you find a lender that best fits your circumstances.

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Taking the hard work out of applying

Leaving your paperwork in the hands of our capable consultants gives you the absolute best chance of approval.


Guaranteed one-on-one service

Our consultants will guide you through every step of your loan application, ensuring a smooth process.


Available Australia-wide

You can apply for a car loan from your computer or smartphone no matter what part of Australia you live in.

Features and benefits of car loans

Centrelink accepted

Government benefit recipients, such as pensioners or single mothers, can have their payments factored as income.

Borrow from $5,000

You can borrow the full value of your new car, with bad credit loans starting from $5,000 and no deposits required.

Declined by the bank

Our specialist lenders can give you a second chance at finance, even when you’ve been knocked back by a major bank.

Casual workers eligible

Casual employees can apply for car finance, meaning you don’t have to be working full or part-time to apply.

Customised repayments

How you pay is up to you, with options to schedule your repayments weekly, fortnightly or monthly.

Finance cars up to 25 years old

The car you choose can be up to 25 years old by the time your loan term is set to end, expanding your vehicle choice.

How to apply for a car loan

Bad Credit Car Loans Process

Apply for a quote

Take a few minutes to ask us for a quote online. Once you’ve done this, you have the option to proceed with your initial application.

Lock in your lender

Using the latest technology, your consultant searches among our partners to find your most suitable lender once you formally apply.

Get your application prepared

After they lock in your lender, your consultant prepares your application for you to give you the best shot at approval.

Grab your keys

Once you’re approved, your consultant emails you a loan agreement to sign and return so your funds can be transferred to you or your seller.

What are some ways I can fast-track my loan approval?

There’s nothing worse than a long, drawn-out loan process that holds you back from getting behind the wheel. Explore some simple ways to accelerate your road to approval and boost your overall chances.

Prepare your documents

Have your supporting documents at hand so you can access them quickly when your consultant requests them. You’ll need to supply the following:

  • A driver’s licence (copy of back and front)
  • A current Australian or foreign passport (if applicable)
  • Two recent payslips
  • 90 days’ worth of bank statements
  • Centrelink income statement (if applicable)
  • Your latest tax return or an ATO Notice of Assessment from the past 18 months

Apply earlier in the week

The sooner you apply, the sooner you can be approved. While you can be approved and funded in as little as 48 hours, this will depend on when you apply. Applying on a Monday or a Tuesday means it’s unlikely you’ll be on tenterhooks over the weekend waiting for an outcome. Similarly, applying in the morning will help you reduce the likelihood of running over multiple days

Clear up some debt

Lenders will be more likely to fast-track your approval if you have less debt or defaults. If you still owe money on a loan similar to the one you’re applying for, it can also slow your application process. So, paying off debt or reducing your credit card limits can be a quick way of preparing yourself to take on a new loan.

Get pre-approved

Getting a price ceiling on a new car means you can negotiate better prices with vendors while your lender is tying up the loose end of your application. It also provides you with a clearer indication of what you’ll be able to borrow, allowing your search to be more focused within your budget.

Pay a deposit

Contributing a deposit is a sure-fire way to build trust in a lender that you’re financially responsible. Lenders will be taking less of a risk when letting you borrow because you have chipped in a hefty down payment. 

Stick to your career

If you’ve switched careers and taken up a new job, this could slow your application. Lenders may need less time to consider your application if you can demonstrate you have a steady job and a strong employment history.

Don’t apply too often

Keep the applications to a minimum if you want to avoid further damage to your credit score. Every time you apply for a loan, it leaves a mark on your credit report and raises doubts with the lender. By dealing with us, we sniff out the best loan deal to suit you without applying to multiple lenders at once.

Live within your means

Cutting back your expenses will leave you with more money in your bank account. Lenders will look more favourably upon you if you have a good savings track record, as it’s a sign you’re more likely to be a disciplined borrower.

Borrow a smaller amount

The bigger your loan, the greater the risk to your lender. By reducing the size of your desired loan amount to one which is well within your borrowing capabilities, lenders may not need as much time to consider your application.

Your car loan questions answered

No – credible lenders will do a standard credit check on all applications. Lenders spruiking ‘no credit checks’ should be avoided, as they tend to cost the borrower more. Focus on improving your approval chances by saving money for a deposit or clearing debt.

Generally, your application can be approved within one business day and funding can arrive in as little as 48 hours, but this varies from person to person depending on the complexity of their profile.

Your car loan comes with a fixed interest rate. This gives you certainty your repayment values will remain the same over the life of your loan.

Yes – you can apply with unpaid or paid defaults on your credit report. Our lenders are focused on what you can afford now, rather than black marks on your borrowing history.

Getting a loved one to guarantee your car loan will improve your borrowing capacity and approval chances. Your guarantor is on the hook for repayment of the loan if you can’t afford it down the line, so make sure you sit down and weigh up the pros and cons.

Yes – we can help you get a second chance at finance if your bankruptcy has been discharged or you’re in a formal debt arrangement. However, you'll have a greater shot at approval if you finalise your Part IX agreement before applying.

Yes – your car must be covered by comprehensive insurance. This protects you if your car is accidentally damaged or stolen. Most lenders will allow you to choose your preferred insurance company.