Your address will show here +12 34 56 78
Zoom Car Loans help people with a bad credit history, no deposit, are receiving Centrelink, have never had a loan before or are ABN holders, to get approved for finance. Applying for finance with Zoom Car Loans is as simple as 1, 2 … 3!

Once you complete our obligation free online application, your personal broker will be in touch to arrange instant pre-approval over the phone.



Apply online

Your personal loan broker will then call you within 10 minutes to discuss your options.

Apply now

Get the best deal

Stop shopping around – we do this for you! We work with over 30 bad credit car loan lenders Australia wide to get you the best deal possible.

Apply now

Drive away

Once you’re approved, we transfer the funds directly to the seller and you drive away happy!

Apply now

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. That’s where we specialise – in bad credit car loans.


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. We know exactly what the different lenders are looking for, so we are your best chance of getting approved.




  • No deposit loans

  • Bad credit history

  • Centrelink payments

  • Ex-bankruptcy

  • First loan

  • Declined by the bank.

Anna BrownAnna Brown
21:23 22 Nov 22
I can't speak highly enough of Zoom Car Loans. From my initial phone call to my car being financed, all went very smoothly.Josh was so friendly and helpful and was prompt at answering calls and emails. He also understood I am not very good at modern technology ( everything was done on line ). He was patient and helped me without judgement. Thanks Josh.I would highly recommend Zoom Car Loans.I am one happy customer 🚗🚗🚗😊
Kayla DaweKayla Dawe
13:10 21 May 20
The only place that accepted centrelink parenting payments as an income... thank u
06:05 05 May 20
The customer service was second to none, Tom was very helpful with everything I needed and the quick approval was also excellent! Will definitely recommend to anyone looking for affordable loans.Keep up the good work guys.
Dana PowellDana Powell
07:34 01 May 20
We worked with Jordan he was fantastic .Friendly and helpful and got the job done quickly.Can't thank him enough.Will recommend zoom to all
Heath LovelHeath Lovel
04:02 14 Apr 20
These guys offer an excellent service! For anyone on a centerlink income in excess of $800 a fortnight and are in the need for a new car loan these are the people to contact! Jordan and Katie were very helpful and the loan was wrapped up within just a few days! I was on a rent to buy car loan agreement previously with a higher fortnightly repayment. but this deal, although a little more expensive than a bank personal loan due to the higher interest rate for finance, the finance is worth it when the loan can be stretched out over 3 years as it reduces the fortnightly repayments and makes it more affordable on a centerlink income than a rent to buy option. Highly Recommended! Thanks again guys!
Donna McGindleDonna McGindle
05:47 16 Mar 20
Had an amazing girl named Ruby who absolutely did her best to help me out. Banks are a nightmare so I ended up at zoom getting amazing service and treated as a real person not a number. Highly recommend. Thank you Ruby you’re amazing.
Glitter FartGlitter Fart
04:16 16 Mar 20
Loan went through very quickly with these guys, got approved so fast, very easy going and easy to talk to.Promptly seeing to all your needs and requests.😁👌
Kayla DieganKayla Diegan
07:54 11 Mar 20
Thank u to Ben for giving us a chance and getting us our first car so happy with ur service and how quick the process was thank u again so much such excellent experience I would recommend in a heartbeat
Katie was helpful and presented me with options to suit my needs and budget. All the staff were polite, helpful and it felt like they took the time to do it right the first time.
Shenice CorbettShenice Corbett
01:55 05 Feb 20
Zoom car loans helped me find finance for a great family car for my little family, very understanding of circumstances and helpful, as well as being a quick process with great help from zoom team to help with the whole process. Would definitely recommend zoom car loans in helping you find finance For a new great car 🚗 😊
Chantelle FranksChantelle Franks
06:32 03 Feb 20
Amazing service, I wasn’t getting approved at many places so I found these guys and I got approved and found the car I love. Ruby was always calling updating where it is and etc was great service
Shantelle CrockettShantelle Crockett
05:46 23 Jan 20
Highly recommended fast pre approved and then took only a few hrs to get my new car. Will deffentley be using these guys again. Skye was extremely helpful Thankyou for everything
Jane SJane S
22:01 07 Jan 20
Quick pre-approval, documents sent electronically. Didn't need to leave home. Friendly, motivated contact. Dealt with same person throughout.
belinda varagnolobelinda varagnolo
00:59 11 Dec 19
Zoom car loans helped me every step of the way thanks ruby, I recommend this business highly very fast and easy service from the whole team thank's
angela proudlockangela proudlock
04:47 28 Nov 19
Ruby was very professional and was happy to help in anyway with any questions i had And the process was very quick to applying to actually getting my family car would go through these guys again
Luke DeguaraLuke Deguara
08:33 15 Nov 19
After trying multiple different places with no help at all, Jordan from zoom car loans went above and beyond to help me get approved for finance and made the whole process as easy as possible- ensuring great communication and making sure I understood everything the whole way through and answering all questions I had. He felt like a mate by the end of it - highly recommend
Pathith d'VolPathith d'Vol
22:24 28 Aug 19
Really professional to work with. Katie is just amazing to deal with and she knows what she talking about. i would love to give them 10 stars. These are the best to deal with.They do not treat you like a number but a person who needs help regardless if you are on Centlink or have bad credit .

Bad credit history car loans for all Australians.

Chances are if you have defaults, a bad credit history or numerous inquiries, your bank or financial institution will decline you for a car loan.

Don’t stress, Zoom Car Loans are experts in this field. We take the time to learn about your previous credit history and current circumstances. We then work on your behalf to compare the options available and secure you finance approval for a new or used vehicle.

If your past is interfering with your future, you can count on Zoom Car Loans to get you back on track.




Applications approved.

*When regulatory terms & conditions are met.


We are real people, who understand that life doesn’t always go to plan. That’s why we assist clients with a bad credit history, prior defaults, ex-bankruptcy or don’t have a deposit, to get approved for a loan. Once you apply with Zoom Car Loans, you will enjoy personalised service from an Australian based team and gain access to the best finance package available from one of 30 bank and non-bank lenders Australia wide.

Personalised service

Once you apply, your personal broker will be there every step of the way, answering any questions you may have.

Compare and save

We compare over 30 bank and non-bank lenders Australia wide, to make sure you get the best deal possible.

Freedom to choose

Zoom Car Loans can help finance new and used vehicles from dealerships or private sellers. The choice is yours!

Fast approvals

Using Zoom technology, we offer instant pre-approval over the phone. Settlement usually occurs within a few days.

Who we can help

Our team of brokers are highly experienced finance professionals. They will navigate the lending criteria of over 30 Australian bank and non-bank lenders, to find their clients the best loan approval for them. We understand that every loan application is unique, which is why your personal broker will be there every step of the way through your application.  We specialise in offering solutions for:

  • Current paid or unpaid defaults
  • Discharged bankruptcies  
  • Discharged Part 9 agreements
  • Centrelink payments (Minimum benefit of $800 per fortnight - not including covid-19 supplement)
  • Loans starting from $5,000
  • Express, low doc, commercial applications
  • Non-conforming applications
  • New entrants to Australia
Our 3 step application process means you will be driving away sooner than you think!

We truly are your best chance of getting the car you want.

What our customers say

August 17, 2022: At Zoom Car Loans we pride ourselves on our personalised and friendly customer service. 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.


Some of the lenders we work with