Bad credit car loans
If you’ve had credit issues in the past, some of our lenders may be happy to give you a second chance. We have a variety of good value loans that will get you back behind the wheel.
We can help you every step of the way.
Getting a car loan can be a challenge, especially if you have a black mark on your credit record. We can help you navigate the minefield of different lender requirements and negotiate with lenders for you. If you can show that you have improved your situation, or have a reasonable explanation for any past defaults, we can usually get you a loan.
Low rates
Our lending specialists will get you the best possible interest rate so you save money.
No hassles
Our simple process takes the hassle out of getting a car loan.
Non-judgemental
We are passionate about helping every Australian get behind the wheel of the car they need!
Fast approvals
We know exactly what our lenders need so we can get through to approval quickly.
Bank said NO? Talk to CarLoans.com.au
We take time to find out about your credit history.We will learn how your situation has improved and we’ll put your case to lenders, generally with good results.
Ready to make a new start?
Frequently asked questions
Can I get a loan with a low credit score?
Even if you are a recently discharged bankrupt or close to being discharged, if you have a good recent payment history, we can usually secure you a loan.
Will the interest rate be high?
The rate will be higher than someone with a good history but depending on your circumstances, you may be surprised at the excellent rate we can get you. If you’ve recently paid out a loan with good repayment history, let your lending specialist know.
Can I get a loan with unpaid defaults?
Yes. As long as the defaults are more than six months old, we have finance options available.
Will a deposit be required?
A deposit is not always required but lenders will generally look more favourably on an application with a deposit.
Arrange a Call
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