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Bad Credit Car Loan

Discover how to get a bad credit car loan

We specialise in helping people just like you to get a bad credit car loan or bad credit car finance approved. If you have credit issues, we can help you get your loan approved. Similarly, if you have a bad credit score, a default, judgement or overdue notice lodged on your credit file, we can help. In addition, our team can help if you have previously entered a Part IX or Part X, or been declared bankrupt.

We take the time to understand your situation

Above all, we understand that you have probably had a rough time searching for a bad credit car loan. However, even if you have been declined by your bank or through another broker you must contact us now. We have over 20 years’ experience and we help people just like you with bad credit car finance. In summary, there’s not much we haven’t seen. You will speak with an expert in bad credit car loans, there are no big call centres here. We treat your case, along with each and every case, with the care and respect it deserves.

We listen, we care, we never judge

Therefore, we understand that you can get a bad credit rating on your credit check through no fault of your own. We listen to your story because this helps explain to the lender why your finance should be approved. Our team are here to provide you with great car loan advice. We have many lenders who specialise in providing a bad credit car loan to people just like you. If one of them says no, there’s always another option.

Some examples of who we can help

If you just need a car to get the kids to school and no one else will give you a go on a bad credit car loan, we can help. Or, if you need a car for work and don’t know where to turn, request a finance Quick Quote now. In addition, Pensions, for example Disability, Parenting or DVA, are acceptable too. You’ll never look back at You Can Finance. People who think they need a bad credit car loan often don’t, and are surprised when they find that they are eligible a mainstream loan. No matter what your situation is, we are here to help.

Lenders you can trust

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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)

Our clients are saying

Amazing service, Michael Is very helpful

Everything was made very clear and it was a very simple and smooth process thanks to Michael

- By Brianna Cotton 2 years ago

Fast and reliable

Michael was extremely helpful and guided me through the personal loan process in a timely way to help find an affordable product. I had some issues with submitt…

- By Roo Shannon 2 years ago

Amazing Experience 👏

Michael was amazing 👏 went above an beyond to get our finance for the new car. The first day I call him he was so helpful and had so much knowledge in finan…

- By Cassandra Formosa 2 years ago

Happy Customer

Michael made the process very smooth, effortless and quick compared to other financial institutions.

- By Lea-ann Ortolani 2 years ago

Yes, You Can Finance.

Our request for a debt consolidation loan was not a straight forward matter considering our personal circumstances. However after receiving our initial applicat…

- By Anonymous 2 years ago

Client Feedback

I would 100% recommend You Can Finance to anyone wanting to get a loan. This was my first time getting a loan out and it’s was a lot more stress free then I t…

- By Brinlee Hartwig 3 years ago

You Can Finance is rated 5 for customer satisfaction by 42 customers

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Questions

Can I buy a used car from a private seller?

Yes, it’s pretty easy and very similar to buying from a dealer, it just involves a few extra pieces of paperwork, such as a copy of the registration papers and the details of who the lender needs to pay for the car. We will take care of that for you. That’s what we’re here for.

How much can I spend?

That’s exactly what we can help you with – request a Quick Quote now and we’ll let you know within a few minutes. You may have been declined and told you were unable to afford the loan. A good broker should be able to give you a reasonable idea of what you can afford before you put in application – just ask and we can help.

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

It might mean that we need a little less or a little more paperwork. Your bad credit expert broker will help you to make the process simple and easy.

I’ve only had an ABN for 1 day, can I get a loan?

Yes, request a finance Quick Quote now and we’ll send you back a quote. There’s a couple of minor differences in the questions the lender might ask, apart from that it’s pretty straight forward and easy.

I have bad credit, can I still get a loan?

Yes, there’s not much we haven’t seen. We are experts in getting loans approved when they have been declined elsewhere.

Do I need to inspect the car before I purchase it?

It’s generally advisable to make sure you are happy with the car you are buying, however the choice is entirely yours. Some finance companies request a third party inspect the vehicle for finance purposes to make sure VIN and Engine number match the registration papers, and some clients choose to get a mechanical inspection done at the same time. The choice is yours.

Hints and Tips

Can I get an approval with bad credit?

Leave it to an expert. The best thing you can do is talk to a broker who specialises in bad credit car 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 help 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.