Bad Credit Car Finance Options

Are you looking to buy a new or used car but have a less than perfect credit history?

Do you qualify for car finance?

  • Must be employed or self employed

  • Must earn minimum $600wk

  • Must have 2 defaults or less

  • Must have clean bank statements (no missed payments to current lenders)

Get Approved


Frequently Asked Questions

Is my bad credit car finance application secure online?

Yes, your car finance application is secure and confidential.

How much will my car finance be approved for? What amount can I borrow for a car?

Your car finance application and car finance approval amount is based upon a number of factors. These are your current salary, your employment history, your credit history rating, your past loan history, and other factors such as any past bankruptcy.  

How much deposit will I need if I am approved for bad credit car finance?

95% of the time we can provide you with no deposit car finance.

Does my car trade in count as a deposit?

Yes, your car trade in will count towards your deposit.

What if I do have bad credit, can you help me get car finance?

 We try our very best to get your car finance approved, even with a past credit issue.

Generally speaking, if you are an ex bankrupt, ex part 9 or have 3 or less credit defaults, we should be able to approve your car finance.

The main issues are “current bankrupt” or payday loan defaults that have not been paid.

Also if you have repeated overdrawn on your bank statements, or missed repayments to your current lenders, this can decline you from further car finance.

Lastly, if you have a number of payday (small loans) this can stop you from getting approved for car finance.

What will my car finance approved amount and car finance repayment be?

That depends upon our credit assessment, the end amount you are approved for and what category you fall into.

When we approve you for car finance, we will give you a maximum car finance amount and tell you your car finance repayment amount per week, fortnight or month.

We base your car finance amount on what you can afford without any hardship.

I've never had a car loan or car finance. Can you help me get an approved car finance option?

Yes we can. First time car finance borrowers are always welcome. We can help get you approved for bad credit car finance.

Recent Customer Feedback

We would just like to thank Matt and his team what a wonderful company, we had a couple of major credit issues, they not only got us a car, but also helped us to start paying off our debts, thank you, 


Can not believe I got approved with 6 children but I did, and now have my Tarago, thanks Bruce and Matt, 


Thank you Matt for getting us approved for a car loan, great service. 

B. Mennies

If you need car finance and have a credit default, then contact these guys, they can help, they helped me get a car. 

N. Sumner

Hi 1800 bad credit, we appreciate you giving a couple of old people with a past default enough to get a small car, 

J and R.Willmott

See More Customer Testimonials >


I am undergoing bankruptcy. Can I qualify for car finance? 

If you are ex bankrupt or discharged bankrupt, then yes we can help, if you are a current bankrupt, then unfortunately no.

Can I finance a car through a private seller?

Yes you can. If the car you wish to buy is a private sale, we can get your car finance approved for a private sale.

How long after submitting my car finance application will I know if I am approved?

In most cases we will have an answer within 24 hours of receiving your car finance application.

What will my interest rate be?

That depends upon your overall credit assessment.

Customers with long term employment, stable residence, and say a small default will generally get a better car finance rate than someone that is employed on a casual basis, always moving house with 2 or 3 defaults.