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100% Finance

No deposit? You may still get a loan.


We understand that life doesn’t always go to plan. Sometimes life throws us a curveball and puts us in a position where we need a car ASAP.

Usually this will mean that there are no spare funds lying around for a car deposit. If you’re in a similar position, or just really want a car but don’t have a deposit, Zoom Car Loans may be able to help you with our no deposit car loans.

We believe a car is a basic form of transport, that all Australian’s are entitled to. So if you need a car to do the school runs, apply for work, get to work or do your work, our no deposit car loans finance might be your best solution.

Don’t hesitate. Contact us and get on the road sooner.



We have a highly streamlined pre-approval and settlement process.


Personalised terms and repayments to suit your budget.


Let us know your vehicle requirements and we will help with the search.


All no deposit car loan applications are completely obligation free.

We help you get approved.

We get it! Life is rarely the smooth ride we would like it to be. A small financial mistake in your past or an unexpected change in circumstances can cause your credit rating to take a hit. This can make it hard to get the tick of approval for a car loan.

At Zoom Car Loans, we have a team of highly skilled and experienced brokers who take the time to learn your story and then advocate on your behalf to get you approved for a no deposit car loan. We know exactly what the different lenders are looking for, so are your best chance getting approved when you have no deposit.


  • No deposit loans

  • Bad credit history

  • Centrelink payments

  • Ex-bankruptcy

  • First loan

  • Declined by the bank


How to apply

Our 3 step application process means you can drive away sooner. 
Backed by technology unique to Zoom Car Loans, we can usually process your application within 24 – 48 hours.
Step 1

Apply online in under 2 minutes

Apply online in under 2 minutes. We will then asses your application and give you a quick call to arrange pre-approval over the phone.

Step 2

We find you the best deal possible

After you receive your pre-approval, we work on your behalf to find you the best deal possible from one of over 30 lenders Australia wide. Once we do, we will send you the paperwork to finalise the application process.

Step 3

Once you’re approved, drive away happy!

Good news - the lender notifies us that you have been approved for the loan and within a couple of days, the loan amount is transferred directly to the dealership or person that you are purchasing the car from. This is called settlement and at this point, you drive away in your new car!

What our customers say

At Zoom we pride ourselves on our personalised and friendly customer service for clients looking for no deposit car finance. We also constantly seek feedback from our clients and are proud of our 2018 5 Star Gold Trusted Service Award, issued by Feefo. Here’s what some of our recent clients had to say.