Bad Credit Car Loans 

Struggling to get finance with bad credit? We can help, when the banks can't. 

  • Have a Poor Credit Score? 
  • Finance Declined Elsewhere?
  • Unsure of Whether You Qualify?
  • Experienced Issues in the Past?
  • Been Bankrupt Before?
  • Unpaid or Paid Defaults?
  • New, Used or Private Sales
  • Fast 24 Hour Approvals
  • Personalised, 1 on 1 Service
  • Tailored Finance Solutions

Get a free quick quote below.

This form does not initiate a credit check

If you've had a poor credit history, don't panic.

Have you had financial difficulties in the past? Have you been caught in a loop of bad financial decisions? If so, you may find getting finance for your next vehicle nearly impossible. Serious credit infringements, non-payments and any court proceedings can damage your rating for up to seven years, meaning even if you have your life on track and in control of your finances, finance could still be denied making it impossible for you to get the loan you need. Luckily, a poor credit history is not the end of the world.

No matter your financial background, don't panic. First Rate Car Loans is ready to help get you on the road with top quality service, competitive rates and best of all, years of experience in helping struggling Aussies get finance.

We can provide car finance for customers with impaired credit across Australia.

While the big banks may be unwilling to offer you finance thanks to the gloomy shadow of your credit history, you may still qualify for finance with the correct assistance. Get a second opinion with First Rate Car Loans and speak to experts who specialise in helping people with impaired credit secure car finance, and find out if your dreams can become a reality.

Working with you rather than against you, our tailored services combined with years of experience in the financial services industry can help you get the break you need. By gathering important information about your situation our team will present your application to the lenders in a fashion which allows them to truly see and understand your current situation. This process allows for a more accurate judgment of your position rather than a simple judgment based on a score.

Regardless of your financial history, First Rate Car Loans can help work out suitable financing arrangements to get your application approved and get you on your way to your next car. Use the quick quote form at the top of the page and we'll take care of the rest!


What exactly is a bad credit loan or second chance finance?

A ‘bad credit loan’ exists to help people with poor credit scores, a history of adverse credit and who have a hard time getting finance through the usual sources such as banks, car dealers or credit unions, get finance. While bad credit loans usually attract higher interest rates, they are perfect for anyone needing to get on the road with a new or second-hand car.

Some lenders offer guaranteed bad credit loans?

Don't be fooled by these claims. At the end of the day, no lender can 'guarantee' approval to any finance without a thorough understanding of your individual circumstances. With that being said, First Rate has provided an extremely high approval rate for all it's customers in it's years of business

Do you offer no credit check loans?

As above, be extremely careful around companies advertising these claims. A credit check is an essential part of the financing process and any reputable lender will need to investigate your past credit history, good or bad, to ascertain a clearer understanding of your situation.

20 years experience in the industry

The financial experts at First Rate Car Loans have over 20 years of experience in the banking and financing sector. This means we are well-equipped to create a customised, realistic loan for you. Even if you have a background of poor credit, simply use our quick online quote system and see how easy the First Rate Car Loans team can make your future.

So, what's the next step? Get a quick quote today!

Experience the First Rate difference today by getting in touch with our friendly and helpful team

Get a quick quote online now or give us a call on 1300 889 354 to speak to one of our experienced broker consultants.

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