Yes — you can get a car loan on Centrelink. At Zoom Car Loans, we help Australians receiving Centrelink payments or pensions access fair, affordable vehicle finance. Whether you’re on a disability pension, parenting payment, or other eligible support, our team works with over 30 lenders nationwide to find a car loan that fits your needs and budget.
Can You Get a Car Loan While on Centrelink?
Who This Is For
Zoom Car Loans supports a wide range of Centrelink recipients, including:
- Pensioners (Age or Disability)
- Single parents or carers on Parenting Payment
- Part-time workers supplementing income with Centrelink
- Australians rebuilding their credit or recovering from financial setbacks
Not eligible: Lenders currently do not accept JobSeeker, Youth Allowance, or Austudy as sole income sources.
Streamlined
We have a highly streamlined pre-approval and settlement process.
Personalised
Personalised terms and repayments to suit your budget and lifestyle.
Proactive
Let us know your vehicle requirements and we will help with the search.
Obligation-free
All Centrelink car loan applications are completely obligation free.
Centrelink Car Loan Requirements
To be approved for a car loan, you must meet minimum income and affordability standards.
Minimum Income:
- $800 per fortnight (can be 100% Centrelink or combined with other income).
Other Criteria:
- Must be 18 years or older and hold valid ID.
- Must be able to demonstrate the ability to make repayments after covering essential living costs.
- Can show stable income history or consistent Centrelink payments.
This threshold ensures you can comfortably manage repayments without financial strain.
How the Process Works
Applying for a car loan on Centrelink is fast and obligation-free.
Step 1 – Apply Online
Complete our secure online form — it only takes a few minutes.
Step 2 – Speak with a Personal Broker
Your dedicated consultant will contact you to discuss your situation and identify the best lender for your Centrelink status.
Step 3 – Get Approved & Drive Away
Once approved, you can choose your car and start driving — often within days.
9 out of 10 eligible applicants are approved when they meet all lender conditions.
Why Choose Zoom Car Loans for Centrelink Finance
We specialise in helping people who don’t fit the “traditional” borrower profile.
- Streamlined process: Simple, fast pre-approval and settlement.
- Personalised support: Flexible repayments suited to your income and lifestyle.
- Proactive brokers: We help you find the right vehicle and loan match.
- Obligation-free: Applying won’t affect your credit or cost you anything upfront.
- Trusted experts: Backed by years of experience and hundreds of positive reviews.
What You Can Use the Loan For
- Buying a new or used car
- Upgrading to a safer or more efficient vehicle
- Purchasing a family or mobility vehicle
- Consolidating other transport-related expenses
Common Scenarios We Help With
- Centrelink car loans with bad credit
- No deposit car finance
- Ex-bankruptcy approvals
- First-time borrowers
- Bank declines
No matter your financial history, our team fights to get you approved fairly and transparently.
Get Expert Help
Our brokers take time to understand your story and represent you to lenders who listen. We’re 100% Australian-owned and passionate about helping people get back on the road with dignity and confidence.
Call 1300 138 273 or Apply Online today — it’s quick, confidential, and obligation-free.
Responsible Borrowing & Support
Before accepting any loan, always consider your budget and available financial advice.
If you’re managing multiple debts, call 1800 007 007 for free financial counselling anywhere in Australia.
We help you get approved.
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.
At Zoom Car Loans, we have a team of highly skilled and experienced brokers who take the time to learn your story and then advocate on your behalf to get you approved. So yes, it is possible to get a Centrelink car loan on Centrelink payments. We know exactly what the different lenders are looking for, so are your best chance getting approved.
-
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 say
At Zoom we pride ourselves on our personalised and friendly customer service. We constantly seek feedback from our clients and are proud of our 4.7 average on Google Reviews. Here’s what some of our clients had to say.
Kathleen. O
NSW
“Polished, caring customer service – an amazing outcome! Professional, courteous, helpful, intelligent, patient, accommodating, kind - and ultimately successful in assisting me to secure the vehicle and terms I was looking for. Totally outstanding - customer service at its best.”
Dana. W
QLD
“I recently applied through Zoom and the process was fast and customer service great! It was easy and stress free and I will definitely go through them again when applying for a car loan!”
Timothy. P
QLD
'All staff were so helpful from start to finish. Shaun who did our loan was incredible. So efficient and kept us informed. We have had some financial problems in the past, but you didn't judge us on that. The whole process was so simple. We love our new car! Thank you so much! Will recommend you and use you again in the future! '
Tamekka. L
SA