Quick Quote

Quotes are confidential, and there is absolutely no cost or obligation.

Bad Credit?

Discover how to get bad credit finance

We specialise in helping people just like you with bad credit and bad credit finance. If you have issues, we can help you get your loan approved. Similarly, if you have a bad score, a default, judgement or overdue notice lodged on your credit file, we can help. If you have previously entered a Part IX or Part X debt agreement, been declared bankrupt in the past, our team can help too. No matter what you need, we make it simple to get finance.

It’s easy if you know how

We make approvals easy because we start with the basics when we provide bad credit advice, we ask simple things like how much you want and what you want it for. These simple details can make a big difference to your final quote. We’ll even check your credit report as this may help you get you a better deal. We’ll also explain the things you can look for that will bring the cost down. From there, we look at your personal financial situation and compare suitable options. After that, we present them in an easy to understand, written quote.

Bad Credit Approvals

When we provide bad credit finance, we do the paperwork for you and sell your loan to the lender. Emphasising all the reasons why your loan should be approved is a very important part of our job. If you need a loan, then request a Quick Quote now.

Approval to funding – we make that easy too

Our team are experts in making the paperwork for bad credit finance run smoothly, that’s why so many people choose us for their loan approval. All you have to do is make sure you are happy that the paperwork meets with your requirements and then wait for our call to tell you that your loan has been funded. We make the process for bad credit, as easy as 1-2-3.

Lenders you can trust

How we can help you

You Can Finance, part of You Can Group, specialises in helping everyday Australians, tradies and business owners to finance cars, trucks, motorbikes, equipment, caravans, boats, jet-skis and other business equipment.
  • Australian Credit Licence (No. 511531)
  • FBAA Accredited Member (No. M-342583)
  • AFCA Member (No. 62643)
You Can Finance - Lenders you can trust

Our clients are saying

Client Feedback

Michael has been so helpful and supportive through the whole process, keeping us updated and totally informed of what was happening. Being able to contact Micha…

- By Yolandi Nel 3 days ago

Client Feedback

we had a gentleman called Michael Bowlng he is fantastic person to deal with and he cares about his clients, he goes above and beyond to help in every way he ca…

- By Annette Saxby 4 weeks ago

Cannot recommend enough!

Cannot recommend Michael enough! He made the whole process on getting my car super easy and dealt with any issues that arose along the way. It was my first time…

- By Mikaela Callender 1 month ago

Top job

Yes I would buy with you guys again Michel made the experience so easy

- By Nathan Lutiger 4 months ago

Very happy and stress free

I didnt know what to expect as this was the first time i used a non bank lender. I was treat with understanding and dignity throughout the whole process. Was gi…

- By Darryl Gatfield 4 months ago

I will use them again

I don’t tick all the boxes that Lender’s seem to look at these days, so I knew from the start my loan application was not going to be easy before I started. To …

- By Anonymous 9 months ago

You Can Finance is rated 4.9 for customer satisfaction by 11 customers

Questions

How can I get great finance when I have bad credit?

The right finance for you will come down to your individual circumstances. There is no ‘one size fits all’ answer. When comparing finance, factors such as how long you want to borrow the money for and whether you want to pay it out early can also weigh in on the final choice you’ll make.

What kinds of things do I need to provide to get an approval?

These days, with internet banking, and if you work for someone else (i.e. PAYG), you really only need to start by sending us your 2 most recent payslips and a copy of your photographic ID (i.e. Driver’s licence). If you’re self-employed and hold your own ABN, just start by sending us a copy of your Driver’s Licence. If we need anything else from there, we’ll let you know exactly what the lender requires as it varies considerably depending upon your circumstances. Generally, a self-employed application is very straight forward and an easy process.

How long does it take to get finance?

If you have your paperwork handy, from the time you complete the Quick Quote form to the time you are approved, can be less than 4 hours. Realistically, we know from experience that many people are often at work or have other more important things going on (i.e. the kids are screaming in the background), so by the time most people are typically ready to get things moving, allowing 24-48 hours is a good place to start. We can move things as quickly or as slowly as you want – the choice is yours.

I have bad credit, can I still get finance?

Yes, there’s not much we haven’t seen. We are experts in getting loans approved when they have been declined elsewhere. We have been helping people with bad credit for over 15 years.

How much can I spend?

That’s exactly what our experienced brokers can tell you. Fill in the Quick Quote form and we’ll be able to answer that question for you.

I am self-employed, does this make a difference?

Yes, it can sometimes mean that your interest rate will be even cheaper. It’ll depend upon your individual circumstances.

Hints and Tips

Can I get an approval with bad credit?

Leave it to an expert. The best thing you can do is speak with a broker who specialises in bad credit loans. They can help you apply to a lender who is likely to say yes the first time. Most lenders specialise in providing loans to different groups of people, so if you have bad credit and apply to a lender who, for example, specialises in people with ‘A’ grade credit, then you are likely to be declined and this will count against you when you go to the next lender. Our job is to find a lender who understands your situation and is likely to approve your loan the first time.

Can a broker improve my credit rating?

Each time you put in an application and it gets declined, it generally counts against you. An experienced broker will never lodge a loan application unless they are pretty sure it meets all of the lender’s criteria for approval prior to submission. If the broker is not sure, they’ll generally discuss their concerns with the lender prior to submitting the application and get agreement subject to final verification, that your application meets all of the basic criteria for approval. By doing this, it helps to protect your credit score and in turn, your overall credit rating.