If you’ve had credit issues in the past, you’ve probably noticed that borrowing money in Brisbane hasn’t always been easy. In 2025, things have changed.As brokers who work every day with clients who have less-than-perfect credit, we want to share what’s really been happening in the bad credit loan market this year – and what it means for you.Higher Credit Stress Means Stricter ChecksHousehold budgets are under pressure. With the cost of living and interest

If you’ve found yourself urgently needing a loan but have bad credit, you’re not alone.Life happens – car breakdowns, medical expenses, overdue bills – and when these unexpected costs come up, it can be stressful and overwhelming, especially if your credit history is less than perfect.At Zoom Car Loans, we understand what you’re going through, and we specialise in helping Aussies just like you find a solution.What Is Bad Credit?Bad credit generally means your credit

If you’re someone with a criminal record and a bad credit history, you might be wondering if getting a loan is even possible.At Zoom Car Loans, we understand that life doesn’t always go to plan – and that everyone deserves a second chance.The good news? Having a criminal record doesn’t automatically mean you’ll be denied a bad credit loan.Every Situation is DifferentLenders in Australia don’t all follow the same criteria.While mainstream banks might decline applications

At Zoom Car Loans, we work with Australians every day who are looking for a fresh start on the road, even if their credit history isn’t perfect.One of the questions we hear often is, “Is there a best time of year to get a bad credit car loan?”The short answer: timing can make a difference – but the right time is more about your readiness than the calendar.That said, there are certain times of the

When someone applies for a loan and gets knocked back because of bad credit, the rejection can feel personal — and in a way, it is.As a bad debt loan broker, we see it every day.Credit scores don’t just reflect your finances; they’re also a mirror of your money habits, decisions, and sometimes, circumstances outside your control.But here’s the good news — your credit situation isn’t permanent. And understanding the psychology behind it is the