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Bad Credit Car Loans

At CarMoney, we firmly believe that everyone who wants or needs a car, should be able to access one.

We also believe that everyone deserves a second chance.

We get it, life happens! Sometimes it’s our own fault, sometimes it’s not. But bad credit (or a low credit rating) shouldn’t stop you moving forward… and with CarMoney, bad credit won’t stop you getting a car loan.

Our bad credit car loan specialists are committed to a compassionate and flexible approach, to help find the lenders that are most likely to accept your application for car finance.

We do this by:

  • Running a credit check to help you understand your starting point
  • Considering all of your circumstances to find a solution tailored to your needs
  • Connecting you with lenders who specialise in providing loans for
    borrowers with bad credit
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Speedy responses

We can quickly match your information with our lenders to provide you with a response in a few minutes.

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Flexible repayments

You get more control over your car loan repayments, being able to pay it off faster if you choose and save money on interest rates.

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Expert Support

At CarMoney, our Ninjas work to find the right solution for you. We can help with the loan and the vehicle if you are unsure or have lost an opportunity.

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Contact our friendly team for a confidential, judgement-free chat.

We’ll check your eligibility for bad credit car finance without affecting your credit score and without any obligation from you to progress.

What have you got to lose?

With our fast, impartial, and straightforward service, we can find car finance for bad credit ratings from a variety of leading lenders. Speak to our team today.

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FAQs

It is a type of personal loan that allows consumers to purchase new or used cars, avoiding the vehicles being used as collateral for the loan. Since unsecured car loans involve higher risks for lenders, interest rates are usually higher and may not be available to everyone, and different lenders can have other eligibility criteria.

At CarMoney, we consider all of your circumstances and partner with over 30 lenders to find you the best finance solution available to you. Contact us at 1300 001 990 to talk with one of our friendly CarMoney ninjas who will help you find a solution that you feel best suits your situation.

Regardless of your credit score, you will need to be able to provide verifiable details about your personal identification, residential address(s), employment history, details of any assets and liabilities, any dependents that you are responsible for and details of your current income and regular ongoing expenditure. To verify these details, you may be asked to complete a link to enable your broker to generate an open banking report which produces a filtered and categorised snapshot of your recent banking conduct.

Yes, it is absolutely possible, some lenders may apply an early exit fee.

Regardless of your credit score, you will need to be able to provide verifiable details about your personal identification, residential address(s), employment history, details of any assets and liabilities, any dependents that you are responsible for and details of your current income and regular ongoing expenditure. To verify these details, you may be asked to complete a link to enable your broker to generate an open banking report which produces a filtered and categorised snapshot of your recent banking conduct.

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