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What are bad credit loans?

The impact of a bad credit loans score can be long-lasting and unfair. You may have been unable to meet your debt agreement in the past, but this failure isn’t entirely on you. It could have also been caused by events outside our control such as job loss or unexpected emergencies that put us at risk for not paying what we owe when due.

What is a credit rating after bad credit loans?

Credit ratings are determined by credit scores, which range from 0 to 1200. A good credit rating is 620 or more, while a bad credit rating is anything below that. The lower the number, the worse the credit. This makes it harder to get a loan from other lenders if your credit score is low.


How to get a loan online with bad credit.

We get it!  Life is rarely the smooth ride we would like it to be. A small financial mistake in your past or an unexpected change in circumstances can cause your credit rating to take a hit. This can make it hard to get the tick of approval for a car loan.

With Zoom Car Loans, you can get a quick loan even if your credit is bad or poor! We make sure that our secured loans are based on current situations and not past reports. There is no easier way to apply for guaranteed short-term funding than with us. Just fill out an online form in minutes (and approval will follow shortly after).*

*When regulatory terms & conditions are met.


Why Zoom car loans?

We’re a team who understands that life doesn’t always go to plan. That’s why we help clients with bad credit loans histories, prior defaults or those in bankruptcy obtain loans despite not having enough deposit money for an application fee!

Once you apply through our website and provide all the necessary information about yourself. You’ll be matched up accordingly by one of 30 banks & lenders across Australia wide which offers great finance packages tailored just right according to your needs.


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.


Zoom car loans helped me get a loan to finance a much needed new car for myself. Morgan was a pleasure to deal with and so patient with all my calls and questions. Was always happy to answer and when I wasn’t calling her she was always keeping me in the loop as to what was happening next. I am very pleased with the service I was provided. Top notch experience 👌 😊
Courtney D


Nothing was an issue. They acted in a timely manner, were helpful to initiate the entire process, and helped me to protect the motor vehicle I purchased with an extra package. I recommend them to anyone who wants the process to be easy and run smoothly. Thank you, Zoom Car Loans!
Rachel S

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 loans history?

Our team understand about bad credit loans history and will get the best deal for you so that you can drive away happy!