Bad credit car finance with Zoom

At Zoom, we understand that life doesn’t always go to plan. Sometimes things go wrong and when it involves finances, this can affect you for years to come due to you obtaining a bad credit history. This in turn makes it hard to obtain basic products and services. 

Zoom Car Loans are here to help. Unlike the big banks and other lenders, we don’t let your credit rating define you and don’t believe it is always indicative of your current situation. That’s why we offer bad credit finance for people who don’t have a squeaky clean credit file, but still deserve a car loan. We know having a car is often an important factor in gaining employment and maintaining livelihood and lifestyle.

We are your best chance of getting approved

As a team of brokers, we work on your behalf to get you approved from one of 30 lenders Australia wide. By using Zoom Car Loans, it means whilst we are shopping around to find you the best deal and approval, we are NOT putting any further enquiries on your credit file. We also have access to interest rates not available via direct applications, so we truly are your best chance of getting the car you want.

Once you apply with us, sit back and relax and let us do the hard work for you.

Useful information

The below handy hints can help you bargain effectively when the time comes to purchase your vehicle. Spending some time thinking about these basic ideas will help make sure you know exactly where you stand and where you want to be.

This puts you in a better position to get the green light to finance a car even with bad credit history – and to pay it off on time.

1. Know your record: Knowing where you stand ensures there are no surprises during the application process. Finding out you have worse credit than you thought can be a painful blow, especially if it results in you missing out on the car loan you wanted. Having an understanding of your current credit history will let you set reasonable expectations, which makes your chance of being able to finance a car with bad credit greater.

2. Do a full budget: List all of your expenses, including small incidentals, against your income. Know exactly what your cash flow looks like, and do your best to obtain any documents relating to your debts, particularly if they demonstrate that you are up to date. These files may also serve as additional documentation if you need it when you apply.

3. Know what you want: Have an idea of what you need before you apply and do some research. If you know you need an automatic car that can fit three people, for example, you are less likely to take the first vehicle you see. And knowing the current value of the type of vehicle you want lets you apply for the right amount of car finance.

I am extremely satisfied with the service provided by Zoom Car Loans. Their dedication to my requirements was reflective in the loan approval offered – and accepted!

S Dallinger from QLD

Perfect. Till we speak again!! Thanks for making this a breeze and thank you for getting the private sale organised so quickly! You’ve been awesome to deal with and I look forward to dealing with you again.

P Sabados from VIC

Bad Credit Car Loans
bad credit car loansAre defaults, bankruptcy, or inquiries making it hard to get a car loan? We can find the perfect finance package for you! If the past is interfering with your future, count on Zoom Car Loans to get you back on track.

Flexible terms & repayments
flexible termsOur team is dedicated to developing a solution tailored to your unique circumstances. You select the repayments and terms of the loan to meet your budget needs. Car loans available from $5,000.

Same Day Approvals
87428495We respond quickly to all applications (within 30 minutes). After all, when you need finance, you need it as soon as possible. We understand this, which is why we don’t delay in getting your application approved and settled.

100%, no deposit finance 
no deposit financeNo savings? Zoom’s loan products can cover the full cost of your car. Wherever you need no deposit car finance – Brisbane, Sydney, Melbourne, or anywhere else in Australia – we have you covered.

You are in control
you are in controlYou can purchase your car anywhere in Australia. Our bad credit car loans are available for both private sales and dealer purchases.

Centrelink Car Finance 
Centrelink Car financeAfraid being on Centrelink will stop you from applying for auto loans? Don’t worry. We provide flexible fixed-rate, low-repayment vehicle finance options .