Car Loans for Bad Credit

bad credit car loans

Don’t let bad credit stop you from owning a car

Owning a car is an essential part of life for many people. Whether it’s for work, family, travel or leisure, you need to be able to get around on your own terms.

If you have a bad credit rating and are afraid of being refused a car loan, don’t be discouraged. There are still options that can help you own the car you want.

At Loans For People with Bad Credit, we specialise in finding equitable and sustainable finance options for people with bad credit ratings. If you need a bad credit car loan, contact us today.

Why get a loan with Loans for People with Bad Credit

Finding a fair and easy-to-service car loan can be difficult, especially if you have a bad credit rating.

Our bad credit loan managers are experts at getting car loans approved. We work with you and our partnered lenders to find a car loan that best suits your situation, so that your repayments are manageable.

Here’s why you should talk to Loans for People With Bad Credit:

  • Specialist bad credit finance managers
  • Loans with low interest rates
  • Fast approval times
  • Access to over 30 lenders

Where we can help you get a loan

You can get a bad credit car loan in any major capital city:

  • Sydney
  • Melbourne
  • Brisbane
  • Perth
  • Adelaide

How to get a loan

If you’ve got a bad credit rating and seek a car loan, here’s a few steps you should follow:

  1. Be honest. To build trust, you need to provide a complete and accurate finance application.
  2. Repair your credit. Work with us to fix errors on your credit file.
  3. Provide your statements. Lenders want to see statements and savings that prove that you can cover your loan.
  4. Prove employment status. Evidence of stable employment and income is critical to this process.
  5. Stabilise your residential arrangements. The more you move, the riskier it is to give you finance.

Our Lenders

  • Adelaide Bank
  • AMP
  • ANZ
  • Australian First Mortgage
  • BankSA
  • Bankwest
  • Capital Finance
  • Citibank
  • Commonwealth Bank of Australia
  • Esana
  • Finance One
  • Finloan
  • GE Money
  • Heritage Bank
  • Home Loans Limited
  • ING
  • Liberty Financial
  • Latrobe Financial
  • Westpac|
  • Yamaha Finance
  • Macquarie
  • Money3
  • Morris Finance Limited
  • Homeside
  • NAB
  • Rock
  • Scottish Pacific
  • Saint George
  • Suncorp
  • Swann Insurance


What is a bad credit car loan?

A bad credit car loan is a personal car loan for people with an imperfect lending history. More importantly, it’s a fair and manageable loan tailored for the specific circumstances of the client.

Who can get a bad credit car loan?

Any Australian citizen over the age of 18. We can assist in finding car loans for people with good credit, bad credit, or no credit history at all.

Can I get a bad credit car loan with guaranteed approval?

Yes. Many lenders offer guaranteed approval, including Payday lenders. It is your responsibility to decide if you are in the financial position to service the loan.

Can I get a bad credit car loan with no credit check?

Yes. No Credit Check vendors will offer guaranteed approval without a credit check. However, customers should be wary of predatory and irresponsible lending practices.

Can I get a bad credit car loan with no payment down?

Yes. Some lenders will offer a No Payment Down option for car loans. This will affect the interest rate, repayment schedule and term of the loan.