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Running car costs when having car finance bad credit score

There’s more to buying a car than just the purchase price.  When you’re thinking about buying it with a car finance bad credit history, it’s important to consider more than just the purchase price and the regular repayments of your loan.

The cost of a car - remember the running cost

There are plenty of costs associated with running a vehicle and you will need to take these into account when deciding what you can afford to spend.  Some of these costs will need to be paid upfront when you first purchase your car, others come up more gradually over time.

We need to know what money is coming in to understand the situation when you have had a car finance bad credit history score. 




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.


Registration is an essential before you start driving your new car.  In most cases, the remaining registration will be transferred into your name, so there’s minimal upfront cost, but it depends on when the car’s registration is due to expire.



Insurance is one of those things you need to have organised immediately, before you start driving your new car.


The cheapest option is Third Party Car Insurance, which covers any damage you might cause to another person or vehicle.  It’s also compulsory, so you must have it before driving.  In some states this is included as part of your vehicle registration, in others you’ll need to purchase it separately.


Comprehensive insurance covers damage to your vehicle by yourself or others.  Depending on what you get, it’s a much more wide ranging option.  Of course, whether it’s worth the additional cost depends on the car – it may work out cheaper to skip this option and just pay for repairs, or to replace the vehicle out of your own pocket, particularly if your car is lower value. This is needed if you have a car finance bad credit history to make sure your car is covered in case anything happens. 



Petrol is a key part of budgeting for a car – can you afford your bad credit car finance repayments and fuel?  It’s also helpful to consider the fuel efficiency of the vehicle you’re looking at purchasing.  An efficient vehicle may save you money in the long run.



Getting your car regularly serviced will help keep it running smoothly and safely – and ideally identify any potential issues in advance, before they become massive, expensive problems.



Another regular expense – and not a cheap one.  It’s  important to replace your tyres when needed for safety reasons.


Unexpected Repairs

We say unexpected repairs… but really, it’s a case of “if” rather than “when”.  Even with regular servicing, things can still go wrong, so it’s important to factor this into your budget when considering purchasing a car with bad credit car finance.


Roadside Assistance

An optional extra, but one that can make an unexpected breakdown far less stressful.

It’s much more expensive to join when you’re broken down and need help right away, so it can be worthwhile to join in advance.




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.

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Looking for a car finance bad credit loan?

Don’t forget to factor in all the associated costs of car ownership. From registration and insurance to petrol, servicing, and unexpected repairs, the expenses can add up quickly. That’s why it’s important to make an informed decision about your budget and financing options. Consider applying for a car finance bad credit loan with Zoom Car loans, who can help you get the car you need while taking into account all the additional costs of ownership.