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Bad Credit Car Loan Tips

Using your bad credit car loan to buy the right used car for you

So your bad credit car loan is all organised – now it’s time to shop for your new wheels!

When finances are tight, it’s extra important to find a vehicle that will suit your needs and keep within your budget.


Today we’re going to talk about buying a used car – what to consider and how to choose the right vehicle for you.


How to get a car loan online with bad credit.

1. Determine your budget

There is more to the cost of a car than just the initial purchase price – it’s important to remember you’ll need to pay stamp duty, insurance and potentially registration costs up front with your bad credit car loan.  In addition, it’s important to get a car history report when you’re considering a particular vehicle – these add an extra cost and if it shows something that’s a deal breaker, you’ll have to get another one on the next car you’re interested in.


Running costs and maintenance are also aspects you’ll need to think about when choosing a car.  Certain brands may be more expensive to service or purchase parts for than others, which can increase the cost in the long run.


You can also think about whether you want to purchase your used car privately or through a dealer.  Private sales are often cheaper, but dealers tend to offer some form of warranty, which can be a bonus, plus you can sometimes trade your old vehicle in.


2. Know your needs


When finances are tight, you may not be able to find a car that ticks all of the boxes on your wishlist.  It’s important to prioritise what you really need, to make sure you get a vehicle that’s suitable for you and your requirements.


What you prioritise will depend on your situation – maybe you have little kids and need a car that can fit three carseats in the back.  Or maybe you need plenty of boot space, or just care about fuel efficiency.  If you figure out which features are non-negotiable it makes it easier to see what really matters and what you can afford to be flexible on.


3. Check the car’s history


Fun fact about buying a used car – if it was purchased with a secured loan and the old owner defaults on their payments it can be repossessed – even if you, the new owner, have purchased it and have nothing to do with that loan.  Yikes!

That’s why it’s so important to get a Personal Property Securities Register (PPSR) check  before you buy – it’s one thing to take out a bad credit car loan to finance your purchase, it’s quite another to be held responsible for someone else’s loan!


4. Take it for a test drive


It’s time to take the car for a test drive!

When taking the car out, it’s good to try it out in as many different ways as you can – think different speeds and different road surfaces.  Try out the handbrake, test all the lights and windscreen wipers.  Check you can get into all the gears and aren’t having issues with the clutch.


And make sure the car will work for you – if you are tall, make sure you can sit comfortably upright without hitting your head on the ceiling.  Check those car seats will actually fit in the back seat.


Cars are not cheap – make sure you’re hitting those priority points we talked about. And make that bad credit car loan work for you.



Our testimonials

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 clients had to say.


Amazing to deal with staff awesome and clear understanding instructions and friendly 😀 very happy customer 😀

Christina P.


Very easy process and fast approvals and processing. Joshua helped me from start to finish answered every call and email very friendly and polite can’t believe I even got approved didn’t think I would. Would highly recommend zoom car loans to everyone. Thank you so much Joshua.

Geena Y.

I was very impressed with the service l received from start to finish! Apologies! Should have mentioned Tahlia on this occasion. She was amazing. Kept me informed of my process consistently. So patient with my lack of texting skills. Advised me when everything was finalized! Picking up car hopefully Friday, my son’s birthday! Thanks to all her effort getting me through the process as it was a challenge at my age70. Am so grateful. Many thanks. Highly recommend Tahlia! 😻

Alice T.

Read more testimonials here

9 out of 10 approved

We are experts in the field of bad credit car finance. 9 out of 10 applicants with a bad credit history are approved, when regulatory terms & conditions are met.

Obligation free

All applications are completely obligation free. We compare the options available to you and then it’s your choice.

Choose your car

We give you the freedom to choose a new or used car, from a dealership or private seller. We can also help you source a car.

Flexible repayments

Our bad credit car finance solutions are tailored to your unique preferences. You select the repayment terms for loans from $5,000.

Get the best deal

We have access to interest rates not available directly to the public and negotiate on your behalf with other 30 lenders Australia wide.

Want to apply today if you have bad credit car loan history?

These are just some of our tips for shopping for a used car.  With our bad credit car loans we’re excited to help you get into a car sooner!