When a customer has bad credit, it can be quite difficult to obtain suitable car finance.
The major banks do not provide car loans or car finance if you have a past or current credit defaults, as they may see this type of customer as quite a credit loan risk.
This is understandable given a person who has perhaps defaulted on a loan facility previously, may very well do so again. My thoughts are that everyone does deserve at least a second chance to secure a car loan.