Getting Finance For A Car Despite Bad Credit

Before you apply to finance a car despite a bad credit history, there are a few helpful steps you can take to prepare.

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 success higher.

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. This information can also 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.

Quick Quote

Quick Quote

Get Car Finance despite a Bad Credit Rating

Circumstances don’t always go our way. Sometimes things go wrong. Unfortunately, when it comes to finances, one negative event can affect you for years to come, making it difficult to obtain basic products and services. Don’t let your credit rating define you – we believe that your history isn’t always indicative of your current situation. Zoom Car Loans offers bad credit car finance for people who don’t have a squeaky clean record but who still need a way to get around.

The Application Process

Zoom Car Loans has a famous 2-minute online application process. It’s fast and easy, and there is no obligation to proceed after applying. Simply fill out the convenient online form, submit it, and sit back. It’s that easy!

What Sets Us Apart

At Zoom Car Loans, we believe everyone deserves the opportunity to have their own mode of transportation. We know having a car is often an important factor in gaining employment and maintaining livelihood.

We have access to leading finance providers, so we can get you the best approval possible using our quick, easy application process.

Do you want to apply for bad credit car loans? Get car loans today with Zoom Car Loans and get on the road to a better life. Apply now or call us on 1300 138 273 to get the ball rolling.

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

I would like to thank you all for your help. Not only did you make the process fast and easy, but you even managed to get me the cheapest loan possible – Even our bank manager couldn’t beat it!

J Harrison from NSW

Thank you to the whole Zoom team for helping us with our car purchase. We highly recommend others to take advantage of unbeatable customer service that you offer…

N Dewstow 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 $2,000.

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, giving you the freedom to choose the ideal vehicle for your circumstances.

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 to help you get back on your feet.