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Bad Credit Rating Car Loans Australia

With more than 25 years’ experience handling bad credit rating car loans, truck loans and caravan loans, our consultants have seen every scenario.

We get bad credit car, truck and caravan loans approved virtually every day.

The preparation of a bad credit car loan application is far more demanding than a general car loan. For this reason our most experienced Partner oversees every bad credit application.

The financiers want to know everything about you. They are going to ask you for more information than a main stream financier or bank. bad credit car finance guaranteed approval australiaThere is good news though, the bad credit rating car loan lender swill in many cases approve your bad credit rating car loan application.

A few words of caution, these lenders are going to charge you more than a bank, therefore we strongly recommend that you borrow at a lower level, as you do not want to overcommit yourself. If you default on this loan, you won’t get another for a long time.

Recent Approval

  • Joint application – Applicant # 1 long term full time – Applicant # 2 Family benefits
  • 3 months Renting
  • 5 Dependents
  • Over 50% reliant on Centrelink to show they could afford
  • $18K listed P/L default listed within 12mths – under arrangement

Approved $14K over 48 mths

Finance Amounts: $5,000 – $50,000

Loan Term: 2 year to 5 years

Age Guide: 18 to 65 years

Applicants Under 21: Maximum Loan $15,000.00.

V8’s and other high powered vehicles will not be financed

To service a loan, applicants must earn a minimum of $600 net per week.

Where Centrelink benefits + child support + employed income, maximum lend will be $15,000

Unemployment Benefit Only – Not acceptable

Newstart, paid maternity leave and workers compensation will not be considered.


  • Minimum 3 month’s employment if previously on unemployment benefits. No more than 3 months unemployment between jobs within the last 12 months.
  • Full Time Minimum 1 month employment PROVIDED they have at least 12 months previous employment within the same industry of 3 months and NOT be on probation.
  • Casual Minimum 3 months employment PROVIDED they are working > 38 hours per week and have at least 6 months previous employment within the same industry.
  • If working < 38 hours per week or without 6 months previous employment within the same industry, applicant must be employed for a minimum of 6 months.
  • Permanent Part Time: Employed for a minimum of 3 months with at least 6 months previous employment within the same industry.
  • Recruitment Agency: Must be registered with recruitment agency for minimum 6 months.
  • If previous employment NOT within the same industry, applicant must be employed for a minimum.
  • Min 6 months employment with the one company. 6 months banks statements required.
  • If you have an ABN we can help

Permanent Residents & Visa’s: Permanent residents of Australia and work sponsored Visa’s only.bad credit rating car loans sydney brisbane melbourne

Residential Status: 2 year residential history required. Minimum 3 months residence if boarding.

Caravan Parks – Must prove long term residence (> 12 months) with lease agreement.

New Zealand and other International migrants’ min 6 months residency in Australia.

Unacceptable Residences: Hostels, hotels, remote areas.

International students are ineligible to apply.

Credit History: Minimum Credit file age of 3 months.

Ex Bankrupt & Part IX:

  • Current agreements and multiple bankruptcies ineligible.
  • Good bank account conduct essential.
  • Reason for bankruptcy should be supplied.
  • Defaults after bankruptcy will not be considered.
  • Discharged less than 12 months Maximum lend of $15,000.
  • Must be over 25 years of age.
  • Renters and home owners only. Must be in residence for a minimum of 12 months.
  • In current employment for a minimum of 12 months.

Finance Defaults: No unpaid finance defaults incurred within the last 12 months.

Unpaid finance defaults more than 12 months should include an explanation of the nature of default and preferably to be under arrangement.

Unpaid finance defaults more than $5,000 MUST have a deposit and evidence of good financial conduct.

Court Judgments: Same rules as defaults

Telco/Utility Defaults: Total amount outstanding for all telco/utility defaults must be less than $5,000.


  • Acceptable vehicles: Cars, Bikes, Boats, Caravans, Tractors, PWC’s & Trailers.
  • No age restrictions on vehicles.
  • Vehicles cannot exceed 250,000 km’s at time of booking (excluding diesels – call to discuss).
  • 48 month term applies to cars and truck only. No older than 6 years at settlement.
  • Applicants MUST hold a current Australian drivers licence.
  • Motor vehicle Applicant MUST have a current licence (dirt bikes and quad bikes excepted).
  • Dirt bikes and quad bikes are not required to be registered but MUST have 3rd party insurance.
  • Learner Drivers MUST be comprehensively insured. Will not accept pay by the month.
  • V8’s and other high powered vehicles not acceptable.
  • Repairable write-offs Maximum lend of $15,000 NAF. Customer MUST be aware the the vehicle is a repaired write-off.
  • Grey Imports Applicants must be over 25 years & hold a FULL drivers licence. Must be comprehensively insured. Will not accept pay by the month.
  • Private Sales Cars and trucks only

Phillip Gruppelaar - Senior Finance Manager

Commenced in the Finance Industry in 1988. Phillip has been a senior manager in finance businesses since the mid 1990's. This included 5 years as General Manager of one of Australia's largest and most successful Finance Brokerage Businesses. Phillip is a General Asset Finance specialist

Have questions? Live chat with Phillip!

chat with john

George Carver - Senior Finance Specialist

Commenced with National Australia Bank in the early 1970's. A Custom Credit Branch Manager by 1978.

For the last 20 years he has run Carver Financials, he joined forces with Harley Finance in 2012.George is a Truck, Equipment & Machinery Finance specialist.

Have questions? Live chat with George!

chat with john
Our Main Services: Equipment Finance Truck Finance Machinery Finance
Bad Credit Car Loans Courier Finance Imported Car Finance


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