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Need a Car Loan in Newcastle or the Central Coast?

If your bank has said no, Zoom Car Loans can say yes. We help Newcastle and Central Coast residents who’ve been declined by traditional lenders — including people with bad credit, no deposit, or Centrelink income — get approved for affordable car finance.

Whether you’ve had debt challenges, a change in employment, or are recovering from bankruptcy, we understand your situation and provide real options to get you back on the road.

Who This Is For

Zoom Car Loans is designed for Australians who:

  • Have been declined by a bank or dealership.
  • Receive Centrelink payments or irregular income.
  • Are recovering from bad credit or bankruptcy.
  • Need a no-deposit car loan.
  • Want a dedicated broker who fights for their approval.

Why Choose Zoom Car Loans

We’re a 100% Australian-owned company helping everyday people find finance — fast, fair, and stress-free.
Here’s why thousands of Australians trust Zoom Car Loans:

  • 90% approval rate: 9 out of 10 approved when all conditions are met.
  • Fast call-back guarantee: Every applicant is contacted the same day.
  • Over 30 lenders: Compare top lenders across Australia for the best deal.
  • No-deposit options: Get your car sooner, even without savings.
  • Award-winning service: Proud recipient of the Feefo Gold Trusted Service Award.
  • Accredited and ethical: Member of FBAA and COSL, following strict lending standards.

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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.
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.

Zoom-Awarded-Feefo-Gold-Trusted-Service-Award-2019

 

 

 How the Zoom Loan Process Works

Getting approved is simple and obligation-free.

Step 1

Apply online

Complete a quick online application form (it only takes a few minutes).

Step 2

Get The Best Deal

Your personal consultant calls you within 10 minutes to discuss your goals and find pre-approval options from our 30+ lenders.

Step 3

Drive Away

Once approved, you can pick your vehicle and hit the road - we’ll handle the paperwork.

9 out of 10 applications get approved through our streamlined system.

The Zoom difference

Unlike generic online brokers, Zoom Car Loans offers personalised support from real people who care about your story.

  • Your dedicated finance broker works one-on-one with you.
  • We listen to your situation and advocate for your approval.
  • We help you avoid multiple credit checks that could hurt your score.
  • You can relax while we compare lenders and negotiate the best rate.

We don’t just find you a loan — we find your best path to owning a car again.

Types of finance

Beyond car loans, Zoom provides a full range of lending options across Australia:

Apply with confidence

100% Call back

We call back 100% of applicants the same day. If we can’t get in touch, we will leave a message.

90% Approval

9 out of 10 Zoom Car Loans clients are approved, when they meet all regulatory terms and conditions.

Compare and Save

We work with over 30 Australian lenders to compare your options and get you the best deal.

Accreditation

We are associate members and bound by the code of conduct for FBAA and COSL.

Talk to Real People Who Care

At Zoom Car Loans, you’ll never deal with bots or automated systems. Our local Australian team understands the challenges of getting finance after setbacks and helps you move forward confidently.

Call 1300 138 273 or apply online today to get pre-approved and start driving sooner.

 

Responsible Borrowing

Zoom Car Loans promotes responsible lending. If you’re struggling with debt or need guidance, you can reach a free, independent financial counsellor anywhere in Australia by calling 1800 007 007.

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What our customers say

At Zoom 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 client’s had to say.

Timothy. M

Salt Ash

'Quick, friendly service. Would recommend to anyone. Got my car in extra quick time'