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General information

Zoom Car Loans


It’s a question we get asked a lot. And because it’s so important, we’ve included a quick explanation below. 

Zoom Car Loans are also happy to provide you with a free assessment of your credit file – just ask us!

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What is a credit rating?

A credit rating (or credit score as it’s often referred to as), is a number between 0 – 1200. It represents the likelihood that you will be able to repay your debts or loans. 

The basis of the scoring system is, the higher your credit rating, the more likely you will be able to repay a loan.  
The lower it is, the less likely it is you will be able to repay a loan. 
Your credit rating directly influences the amount of money banks and lenders are willing to let you borrow and at what interest rate. 

If you have a lower credit rating, don’t stress. Zoom Car Loans are experts in this field. In fact it’s what we do best, so once you apply, leave it in our capable hands to get you the best deal possible!

Free assessment of your credit file

Zoom Car Loans are able to view and assess your credit file, without making any additional enquiries. 
If you would like an obligation free assessment of your credit file, to help with your loan application, simply pop your details below.

One of our brokers will then be in touch to run through your options prior to you applying for a loan.

Who we can help

Our team of brokers are highly experienced finance professionals. They will navigate the lending criteria of over 30 Australian bank and non-bank lenders, to find their clients the best loan approval for them. We understand that every loan application is unique, which is why your personal broker will be there every step of way through your application.  We specialise in offering solutions for:
  • Current paid or unpaid defaults
  • Discharged bankruptcies
  • Discharged Part 9 agreements
  • Centrelink payments (Minimum income of $800 per fortnight)
  • Loans starting from $5,000
  • Express, low doc, commercial applications
  • Non-conforming applications
  • New entrants to Australia.
Our 3 step application process means you will be driving away sooner than you think!
We truly are your best chance of getting the car you want.

Banking Conduct

Lenders will more than likely want to assess your most recent 90-days of bank transactions. Before applying, ensure your banking conduct is at an acceptable level. Try to avoid the following wherever possible:
  • Overdrawing your account
  • Dishonouring on direct debit payments
  • Gambling transactions
  • Withdrawing all funds from your account the day you receive your income

Steering clear of these common mistakes will heighten your chances of approval.

Residential details

Most financiers will complete a residential check when they process your application.  Make sure your rent/board/mortgage payments are up to date and you don’t have any arrears. This will show the financier you can be relied upon to keep up with repayments.

Your credit file

It helps if you are aware of what your credit file looks like before applying. Having prior defaults is OK, so please don’t stress! You can still get a car loan with a bad credit history – we specialise in getting you approved. However, it always helps if you can show the financier you are aware of any defaults and have a plan in place to rectify them.


Existing financial commitment

Most people have prior financial commitments they are repaying, when they apply for a loan. However, if any of these commitments are small payday loans, it would be beneficial to try and have these finalised before applying. Not only will it show lenders that you have room for another expense, but most financiers also prefer not to see too many of these loans evident in your bank statements.
Contact us if you have any questions or concerns.

Regulatory conditions

At Zoom Car Loans, we are here to help our clients get a loan, even if they have a bad credit history, are ex-bankrupt, don’t have a deposit or are receiving Centrelink payments.
We work for you, our client, to get you approved for a loan. We will guide you through the loan process and advocate on your behalf with our panel of lenders to get you the best deal possible.
However, as part of our regulatory requirements, Zoom Car Loans cannot offer finance approval for people who are currently:
  • Bankrupt of under a Part 9 Agreements
  • Receiving a total income of less than $400 p/week
  • Receiving sole Newstart of Youth Allowance payments
  • Non-Australian residents on holiday in the country
  • Non-Australian residents on a student visa OR
  • Do not meet the specified terms, condition and affordability checks
Unsure whether you qualify for a Zoom Car Loan? Feel free to give us a call on 1300 137 273 or pop us a message to make an obligation free enquiry.


Zoom Car Loans is a registered business of Blink Finance Pty Ltd and is an associate member of FBAA and COSL. We have agreed to and are happy to be bound by their code of conduct.  Details of which are available at and

Our finance professionals are dedicated to helping customers find the best deal possible and are accredited with over 30 of Australia’s leading bank and non-bank lenders.

ACN 154 840 123
Australian Credit License Number 427288



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