Bad Credit Car Loans Sydney

Do you need second chance car finance?

about service

Flexible lenders, who understand your situation

Bad credit isn’t the end of the world. If the banks have said no, we believe that you deserve a second chance!

We can connect you to a lender that will take your poor credit history into account and still help you get a new car.

If you need a car loan in Sydney, and your credit isn’t the best, you can get the easiest bad credit car loans Sydney has to offer here.

We have a broad range of lenders with their own conditions and terms for conducting bad credit car finance.

What is a bad credit car loan? 

A bad credit car loan is a type of finance facility offered to customers who have experienced financial difficulties or defaulted on their payments in the past.

There are different lending criteria and loan options for individuals with low credit scores and sometimes the mainstream lenders cant help, but there are specialist lenders that can help with your car purchase.


Can I get car finance with very poor credit?

There are lenders who specialise in providing auto finance to these types of customers.

We will arrange finance with the most suitable lender, and it doesn’t matter whether you have a bankruptcy, defaults or missed payments on your credit report.

Don’t put off buying a car because of your bad credit rating

Let our partners help you find the right lender today.

Who can we help?

Regardless of what has caused your credit rating to suffer, we have solutions that can help you get bad credit car loans.

  • If you have a bankruptcy on your credit report; or
  • Have had missed payments on your credit report; or
  • Are receiving Centrelink benefits.

If your bank or financial institution has said no, just give us a call and we will be able to answer any questions you may have.

why choose us?


Our lending partners are committed to working with customers who don’t like to be told no.

Has covid affected your credit rating? Are you unable to get a car loan because of your poor credit?

Don’t think that you won’t be able to drive again.

We specialise in bad credit car loans and can help get you behind the wheel with an easy approval process.

We can also help you asses your credit file and then show you how you can start to improve your bad credit score.

What do we need from you?

The first step is just to submit a contact form on our website and one of our lending partners will be in touch to guide you through the process. The lending partners we work with are committed to finding the best solution for your unique situation.

They will asses your bad credit history and bank statements and help you discover what kind of loan repayments your new car would need and then help you get your bad credit car loan for that particular loan amount.

Increase your chances of approval

The main factor that increases your chances of approval is a stable source of income.

If you have a cash deposit to contribute to the purchase price this will also help, but it is not required by every credit provider.

If you have sufficient earnings, can provide employment details and bank statements, we can usually connect you with a lender that can get you your bad credit car loan, regardless of your checkered credit history.

What are my repayment options?

The repayment option that is suitable for you will depend on the lending conditions of the finance provider, the amount you wish to borrow and what your budget allows.

Our lending parters are experts at helping you decide on what the best option for you is.

Typically, your repayment options will consist of either weekly or fortnightly repayments for a set duration.

how it works

A faster, easier approach to bad credit car loans in Sydney

Fill the form

Just a few quick details.

Get pre-qualified

Our lenders will assess your situation.

Send documents

Provide required documents.

Get a loan

Time to drive your new or used car off the lot.

How are bad credit car loans different?

If you have had past credit problems, lenders often charge higher rates or assess your loan application differently.

Your options might be limited depending on the type and severity of past credit problems.

If you have unpaid defaults, these will normally need to be rectified before applying for a bad credit car loan.

Be honest about your situation

Being dishonest on loan applications is not only illegal, it also puts you at risk of not being approved, as it is a red flag for lenders.

If you have experienced financial difficulties in the past, don’t lie about your situation as you could lose out on a good opportunity.

We can help you enhance your chances of being approved by working with you and our partners to improve your credit score.

How do I check my credit history?

It can be done online, or one of our partners can do it for you for free!

If you would like one of our partners can perform a credit check for you and let you know what kind of vehicle loan, value and interest rate you will be able to obtain.

If you would like us to contact you about bad credit car loans that we can offer, please submit a contact request.

other services

Other products

Personal Loan​

If you are looking for an unsecured personal loan, we can help.

Home Loans

Our partners offer a variety of home loans that are suitable for first-time buyers as well as experienced homeowners.

Business Loans

We can help with a wide range of financing options for business owners.