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What documents and information will I need to provide when applying for a car loan with bad credit through Zoom Car Loans?

Understanding Credit Scores

When applying for a car loan with bad credit through Zoom Car Loans, there are certain documents and information you’ll need to provide. Don’t worry, it’s not as complicated as it may seem. Let’s break it down:


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. It’s harder to get a loan from other lenders if your credit score is low.


  1. Identification: You'll need to provide a valid form of identification, such as a driver's license or passport, to verify your identity.

  2. Proof of income: Lenders want to ensure you have the means to repay the loan. You'll need to provide documents that show your income, such as pay stubs, bank statements, or tax returns. If you receive Centrelink payments other forms of income proof may be required.

  3. Employment details: This includes information about your current job, such as the name and address of your employer, your position, and the length of employment.

  4. Residential history: You'll need to provide details about your current and previous addresses, including the length of time you've lived at each place.

  5. Bank statements: Lenders may require recent bank statements to assess your financial stability and to verify your income and expenses.

  6. Credit history: Although you have bad credit, it's important to provide information about your credit history. This includes any outstanding debts, past loans, or credit cards you may have had. The more we know the better we are able to help you get the best loan option.

  7. Budget and expenses: Some lenders may ask for a breakdown of your monthly budget and expenses to assess your ability to manage loan repayments.

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Note that documents may vary

Remember, the specific documents and information required may vary depending on the lender and your individual circumstances. We’ll give you a complete list of requirements to ensure a smooth loan application process once we know a little more about your situation.



Zoom Car Loans are experts in securing car loans even when your credit score is bad or poor! We make sure that our secured loans are based on current situations and not past reports. We are backed by a team of dedicated finance brokers who take the time to learn about you and your purchase goals. Your personal broker will advocate on your behalf to find you the best deal possible from one of over 30 bank and non-bank lenders.