Apply now in under 2 minutes

Welcome to our 2-minute online application. It’s quick and easy – and there are no obligations. Want to know more before you apply online? Simply call our friendly team of experts on 1300 138 273 and we will sort out any questions or concerns you might have. Alternatively, scroll down to read some frequently asked questions; your query might be answered here.

Once you apply, one of our car loan specialists will be in touch within the hour…or first thing the next business day if you apply after hours!



Can I apply for a car loan with bad credit?

Absolutely. In fact, Zoom Car Loans specialises in securing vehicle finance for individuals whose past or present circumstances make it difficult to do so. We believe your bad credit history or previous struggles should not prevent you from accessing the car you need to get on with your life.

I receive Centrelink payments. Will this prevent me from successfully getting a car loan?

Many people assume that being on Centrelink will make it tough or impossible to secure finance for a car. However, this is not necessarily the case. Zoom Car Loans is able to create finance packages that work for you and your budget – even if you receive Centrelink payments.

Is your service available in my city/region?

If you live in Australia and want to purchase a car in Australia, yes. Zoom Car Loans can assist people with vehicle finance anywhere in the country.

Will my application definitely be approved?

When you apply for a car loan with bad credit, it can be very difficult to know for sure whether you will be approved. While we do have a remarkably high approval rate of 9/10*, we cannot make any promises about the outcome of your approval. What we can promise, however, is that our team of finance specialists will do everything they can to boost your chances of success.

How does the process work after I apply?

After you apply online, we aim to get your application processed as quickly as possible (this usually occurs within 30 minutes). We then take care of all the tricky stuff for you so you can have your set of wheels sooner. You can read more about how our process works here.

Why should I choose Zoom Car Loans?

We are seriously passionate about helping every Aussie achieve the car loan they need – even if they have a bad credit rating to overcome. Choosing Zoom Car Loans means choosing a 100% Australian-owned company that has a reputation for fantastic results and service. We also have access to Australia’s leading finance providers and packages, so you can be sure the deal we get for you is the best one possible.