Bad credit?
Don’t sweat it.
Knocked back by the banks? Have defaults, in a Part IX or are an ex-bankrupt? We work with lenders across Australia who say ‘yes’.
Why us
Built for the people banks say no to
Rapid approvals
We match you to a suitable lender and get your loan approved and funded in as few as 24 hours.
Online application
Apply from anywhere in Australia on your phone or laptop. No paperwork, no branch visits.
New or used, private or dealer
We can help you find finance solutions for models all over the country.
No hit to your credit
Your obligation-free quote is a soft credit check, so it won't leave a mark on your file.
How it works
Four steps between you and your ride
Submit your free quote
Tell us a bit about you, your finances and the car you want. Only takes a few minutes.
Speak with a specialist
One of our bad credit consultants will give you a call to talk through your options.
Get approved
We shop your application to lenders most likely to approve you, then submit on your behalf.
Drive away
We handle settlement with the dealer or private seller. You pick up the keys.
Types of bad credit
Whichever boxes you tick, start here
Our panel of lenders can look beyond your credit score and assess your application on your current circumstances. If you have stable income and can afford your repayments, you might be in luck.
Check your eligibilityDefaults on file
We work with lenders who can approve loans for people with paid or unpaid defaults.
Part IX debt agreements
If you're under a Part IX or have just wrapped one up, positive financial indicators can help.
Discharged bankrupts
You could be approved as soon as one day after discharge (or even during bankruptcy).
Self-employed / ABN
If your business has bad credit or is still new, we may be able to help.
Centrelink income / unemployed
Stable Centrelink payments can be accepted, up to as much as 100% of your income.
Declined by other lenders
Having trouble getting the green light? That's where we can lend a hand.
A real second chance, not a script.
Our consultants are experienced, understanding and, most of all, human. They're passionate about helping borrowers rebuild after a rough patch. No judgement, no jargon, no fine-print surprises.
Start my applicationOur lender panel
Backed by lenders across Australia
FAQ
Straight answers
Will applying hurt my credit score?
No, your initial quote won't hurt your score. This is a soft assessment that doesn't leave a mark on your credit file. A hard enquiry only happens with your consent once you're ready to proceed with a lender.
How bad is 'too bad' for you to help?
We can often help if you have stable income, can afford the repayments and you meet all the criteria of one of our lenders. The best way to know for sure is to submit an obligation-free quote.
How much can I borrow?
Most bad credit car loans start from $5,000 and can reach as much as $150,000 in some cases. Your borrowing capacity depends on your income, expenses, overall profile and the car you're buying.
How fast can I get the money?
Once you're approved and settlement documents are signed, funds can be released to the dealer or seller as soon as within 24 hours (or one business day).
Can I apply with my partner?
Yes, we can work with couples who are looking to submit a joint car loan application.
Ready to get behind the wheel?
Free quote, no obligation, no impact on your credit score.