At CarFinance.com.au, we believe everyone deserves a second chance, and our panel of lenders want to help too. If you have bad credit and are struggling to get approved for a loan, we will do the work for you and help you secure a car loan.

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Second Chance Car Finance

At CarFinance.com.au, we know that sometimes people make mistakes when it comes to their credit history and that is why we offer second chance car or bike loans for people with bad credit. We can't guarantee approval and we can't provide 'no credit check' car or bike loans, however, we will try our best to secure you a car finance approval. We think everyone deserves another chance and we'll do our best to help.

Some of the common credit issues we see which we can generally negotiate a successful car or bike loan for are:

  • Discharged Bankrupt
  • Finalised Part 9
  • Paid Defaults

When the bank and other financiers say no we try hard to get a yes! Call us to discuss your individual situation.

Bad Credit Car or Bike Loan Interest Rates

Second chance car finance generally comes at higher interest rates because there is more risk to the lender. Keep this in mind when deciding on the amount you want to borrow.

Don't Just Apply Online - Call Us!

Whether you're looking for a brand new vehicle or used car/bike and can't get dealer financing because of your bad credit history, we want to speak with you. We are here to help you find a suitable loan and are able to do this through our panel of lenders, who will consider bike or car loans for those with a less than perfect credit history.

However, submitting an application online when you have a questionable credit history generally won't result in a successful application. You need to call us so we can assess the effect your bad credit history might have on applying for a car loan. Call us today on 1300 889 669.

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Why choose us

Low Interest Rates

Low Interest Rates

Select from among the lowest interest rates in the Australian market today

Fast approval

Fast approval

Our trained consultants will structure your finance for fast approval and minimal red tape

Reputable Australian Lenders

Reputable Australian Lenders

Choose leading finance products from our select panel of reputable Australian lenders

100%, NO-Deposit finance available

100%, NO-Deposit finance available

No deposit? No problem! We can help you finance the total amount for your new vehicle

You´re in complete control

You´re in complete control

We put you in the driver’s seat. You choose the car finance that suits you best

Flexible structure & terms

Flexible structure & terms

Terms from 12 to 84 months with fortnightly or monthly repayment options

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