About Us

We're a non-conforming specialist broker assisting customers in getting approvals through our panel of flexible lenders.

How can your busy credit history affect your car loan application?

About Us

At Bad Credit Car Loans, we specialise in helping Australians get behind the wheel, even when their credit history has made things complicated. We know that a bad credit car loan application is a different beast to a standard one, and that's exactly why working with a specialist makes all the difference.

We've spent years learning the ins and outs of this market, building relationships with a panel of flexible lenders who are willing to look beyond a credit score to find a workable solution. Whether you're dealing with defaults, a past bankruptcy, a Part IX debt agreement, court judgements or something else entirely, we'll take the time to understand your situation and put forward the strongest possible application on your behalf.

We're not just here to process paperwork. We're here to give you a genuine shot at getting the car you need, and to make the process as straightforward as possible along the way.

We also work with customers all around Australia, whether you're in Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, Hobart or Darwin. We service the regions, too, so no matter where you live, we're here to help.

Bad Credit Car Loans holds an Australian Credit Licence (414426) and is a proud member of the Finance Brokers Association of Australia (FBAA).

Your bad credit car loan approval process

Happy customer on her phone after getting approved

Submit a free quote

Sending through an obligation-free quote will connect you to one of our experienced consultants, who will discuss your options if you want to learn more before you apply.

Speak to our consultants

Once we've matched you to a suitable lender, your consultant will guide you through the rest of the application process, including your personal documents.

Get approval

After agreeing to a loan deal, your consultant will prepare your application to meet your lender's requirements and submit it on your behalf.

Sign your contract and drive away

Once your loan is approved, you'll sign a digital contract agreeing to the terms. From there, your car loan funds will be released.

Our bad credit car loan lenders

Affordable Car Loans
Australian Premier Finance
Azora
CarStart
Finance One
Forward Finance
Liberty
Rapid Loans
Money3
Ume Loans