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Car loans for Centrelink customers

Zoom Car Loans offer car loans for Centrelink customers. Centrelink might not be the only obstacle to getting a car loan. But with Zoom Car Loans, you can still get your hands on an affordable finance agreement for those receiving benefits or pensions from Centrelink.


We are experienced brokers who know how these lenders operate – we’ll make sure that they say yes! Once approved, you can be driving away will feel like it was a breeze.

Who is suitable for car loans for Centrelink customers

We can help you get car loans for Centrelink customers approved. We’re able to assist most Centrelink customers but you must meet a minimum income requirement of $800 per fortnight. 

Car loans for Centrelink customers can be for:

  • Parenting payments (single & partnered),

  • Disability,

  • Carers Payments,

  • Family Tax Benefit,

  • Aged Pension.

As experienced brokers, we know what’s involved in getting the lenders to say yes. Once approved, we can provide you with flexible, fixed rate repayment options. You’ll be behind the wheel and driving away before you know it.





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.

Do I meet the minimum income requirements?

As all credit providers work on a basic principle of affordability, to be approved for a loan, applicants must meet a minimum income amount of $800 per fortnight (not including covid supplement).

This minimum amount can be solely from Centrelink payments or can include employment income as well.

This minimum amount has been put in place to protect the borrower. It’s the minimum amount that the lenders deem the borrower can comfortably make their loan repayments, while still being able to afford basic living expenses such as groceries, bills, rent, etc.

Although these measures tend to be very accurate, they do not take personal circumstances and habits into consideration.

You should always look at your own spending habits and budget to ensure you will be comfortable with any additional borrowing.

Here at Zoom, we are able to assist the large majority of Centrelink customers, however, please note that if you are solely receiving a New Start Allowance/Jobseeker, Youth Allowance, or Austudy, unfortunately these aren’t accepted income forms to qualify for a loan.

Our finance specialists work on your behalf to do everything possible to secure a loan for you, so be sure to contact us to speak further about your current circumstances if you’re unsure.



How much can I borrow?

Zoom Car Loans are a team of finance brokers, who work on your behalf to find you the best deal possible. This means we do not have any set loan amount.

The amount you can borrow will be depend on which lender we are able to go through, based on your personal circumstances.

During the application process, your broker will ask you how much you are wanting to borrow. Your finance specialists will then work with our panel of lenders to secure an offer. To avoid disappointment of not getting a car you have your eyes on, we always encourage you to obtain a pre-approval for an amount you can afford and then look for a suitable vehicle within your approval limits. Zoom Car Loans finance packages allow for both dealer and private sale vehicles.


How can I prepare for my application?

Before applying for a car loan, there a few things you can do to heighten your chances of gaining a quick approval offer. A key part of your application involves credit providers verifying your current financial situation. This is a requirement of the law, so to avoid any delays, we encourage you to check and prepare the following before applying:

  • Ensure your recent banking conduct is at an acceptable level (avoid overdrawing your account, ensure no direct debit payments are dishonoured, cancel any debits that are no longer current, avoid gambling transactions and withdrawing all funds the day you receive your income).
  • Make sure your rent/board/mortgage payments are up to date. Most financial institutions will complete a residential check.
  • Having defaults is OK! However, it always helps if you can show the financier that you are aware of them and have made arrangement to pay them off or resolve them.
  • Be truthful. Financial institutions have access to many tools to check the accuracy of the information that has been supplied.



Types of Centrelink payments

Yes! It is possible to get approved for a car loan when you are receiving Centrelink payments.

Zoom Car Loans are able to assist the large majority of Centrelink customers however minimum income requirement of $800 a fortnight does apply.

Types of payments we consider are:

• Parenting payments (single & partnered)

• Disability

• Carers Payments

• Family Tax Benefit

• Aged Pension

Newstart Allowance: please note that if you are solely receiving a New Start Allowance (including $550 covid increase), Job Seeker, Youth Allowance, or Austudy, unfortunately these aren’t accepted income forms to qualify for a loan.

Our lenders have a minimum income requirement of $800/fortnight to apply (not including the $550 temporary increase).

As a team of highly experienced brokers, Zoom Car Loans know what it takes for the lenders to approve a Centrelink customer.

If you would like to read more about to get approved for a car loan when you are receiving Centrelink payments READ OUR BLOG POST here.


We help car loans for Centrelink customers get approved!

There are minimum requirements needed to qualify for their car loans. The best way to find out is to apply online for us to find out all details and do our best to get your driving away in a good car!

  • No deposit loans

  • Bad credit history

  • Centrelink payments

  • Ex-bankruptcy

  • First loan

  • Declined by the bank

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.

What our customers have said about us

I can’t express my gratitude enough to Rowan. He was so helpful very friendly and extremely professional with the process of getting a car loan for myself. I can’t thank him enough for all he did for me. Thanks Rowan
Tracey D


Very please with the work from Joshua an Katie .. they got my loan approved asap as a mum of 3 an needed a car asap… From start to finish they where fantastic an repayment are manageable… Thanks to zoom car loans for helping me within 10days an got out new family car this morning..

Much appreciation to the team
Misty H


Great service. Quick, friendly and professional! Highly recommend if you’re struggling elsewhere to get finance.

Jessica C

Read more testimonials here