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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.

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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.

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Drive away

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

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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 are your best chance getting approved.

  • No deposit loans

  • Bad credit history

  • Centrelink payments

  • Ex-bankruptcy

  • First loan

  • Declined by the bank

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

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