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We have bad credit loans Centrelink solutions

Yes, applying for bad credit loans Centrelink options can be done. You may still be eligible if you meet two criteria: a fortnightly income of over $800 and being on an eligible payment. However, approval is not guaranteed and your overall financial situation. It’s important to be honest and consider your financial habits to increase your chances of loan approval.

Am I eligible for a loan while I’m on Centrelink payments?

We often hear from people concerned that they won’t be eligible for bad credit loans on Centrelink when this is their primary income.  This isn’t necessarily true – provided you meet two main criteria, you may be approved.





We have a highly streamlined pre-approval and settlement process.


Personalised terms and repayments to suit your budget and lifestyle.


Let us know your vehicle requirements and we will help with the search.


All Centrelink car loan applications are completely obligation free.

1. Your fortnightly income is over $800


Lenders operate on a basic principle of affordability, which means that in order to be approved for bad credit loans Centrelink history, you will need to make a minimum of $800 per fortnight.  This can be from Centrelink income and other income, but combined they need to reach that magic number of $800 per fortnight.


2. You are on an eligible payment



Types of payments your bad credit lender may consider are:

  • Parenting payments
  • Disability payments
  • Carers allowance
  • Family Tax Benefit
  • Aged pension.


These payments are counted as income towards your $800 per fortnight, so if the payment is under this amount it will need to be supplemented with other income in order to be eligible for bad credit loans as a Centrelink recipient.


The exception

Unfortunately, Jobseeker payments are not considered a valid source of income at this time, so if you’re receiving these payments, they won’t count towards your minimum income of $800.


Increasing your chances of approval


However, meeting these criteria doesn’t guarantee automatic approval – it just means that you haven’t been disqualified from having bad credit loans on Centrelink payments.


Your overall financial situation and money habits will still be taken into account before the lender decides whether or not to approve your application.  If you’re thinking about applying, it’s a good idea to consider your financial situation and work to resolve any issues that will stop you from being approved.


Banking conduct looks at your financial habits – such as overdrawing your account, dishonoured direct debit payments, gambling transactions and withdrawing all funds as soon as you’re paid.  These behaviours are considered a red flag that may suggest a poor financial situation, which makes the loan higher risk as you may not be able to pay it off.  Basically, the lender uses this information to make assumptions about your finances that may or may not be true.  But if you’re aware of this, you can tweak your banking habits to imply positive things about you and your situation – making it more likely you’ll be approved for that loan.


Financial institutions will often also perform a residential check.  Ensure your rent, board or mortgage payments are up to date.




Useful information

You should always check your options before you accept a loan and ensure that you use the free resources available throughout Australia to assist you when borrowing funds of any nature. For information about other options for managing bills and debts, you can ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor. Alternatively, contact our friendly team to discuss your options.

Our customer testimonials about how awesome we are!

Very easy to use and very happy to explain everything first. Me personally this is the first time for me so i WILL definitely be going with them for my next lone AAA++++
David S


Very efficient and professional company. Morgan is very patient and approachable. He assistance is greatly appreciated. I recommend Zoom!
Mark G


Thanks to Josh for going above an beyond to help secure a loan for me. Josh made the whole experience awesome. Customer service was A+, communication was a breeze, always kept me updated. Thanks so much Josh,  I truly appreciate all your hard work and time to help me out. If I could give you a 10 star rating I would. 🙂

Ariana T

Read more testimonials here

Be honest about your bad credit loans Centrelink history.

Above all, be honest.  Potential lenders generally have access to many tools to check up on the information you give them.  If you provide the bad credit loans Centrelink information that’s less than true, there’s a good chance they will find out and deny your application.



As always, this is general information and lending funds will be at the lender’s funds.  We can help improve your chances of being approved for your bad credit loans while on Centrelink, but we can’t guarantee it.