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Centrelink loans

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If you think being on Centrelink means car loans are out of reach for you, think again.
Zoom Car Loans can provide car loans and finance for people who are receiving Centrelink benefits or pensions.
As an experienced broker, 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 is 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 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. 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

Zoom Car Loans
Based on 72 reviews
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oritsela .
oritsela .
13:25 02 Jun 20
I dealt with a lady called Skye, I have seen people's reviews mentioning her as being a superstar. Unfortunately, in my... experience, she was rather abrupt and condescending and seemed to be making assumptions about the late payment of my rent. Jordan, on the other hand, was considered and detailed in his explanation as to why my application was not successful. Overall, kind of more
Cassandra Helen Harding
Cassandra Helen Harding
04:48 31 May 20
I used this crowd to get my first car but they are not honest !! Made it very very clear I didn't want to use " Money3... " and reprocessed to chase a loan through Money3 against my wishes .... they used them to get me the loan at 25% interest which actually was closer to 130% in reality ... they also chose what I was to pay to suit their needs not mine or the budget set by CAP and thanks to them .. here I am first time in my life bankrupt !! .. would I use them again ?? Sadly because I am now bankrupt .. yes out of necessity not choice .. if they could work better with what a clients budget is set at by financial debts solutions so no undue further hardship is caused that leads to bankrupsy then Yes I would change my review and opinion .. am grateful for them helping me get my 1st ever car loan but not happy that as a direct result of them not following clear cut budget guidelines.. I am now bankrupt with a car I can't repair ( stuffed transmission and hail damage or sell to replace with a new car )read more
Custom Made
Custom Made
01:02 29 May 20
Bit slow and a bit of a stuff around with the inital process. The ridiculously high rates need to be looked at because... 25% is a bit high but grateful they were able to lend me the fundsread more
Kayla Dawe
Kayla Dawe
13:10 21 May 20
The only place that accepted centrelink parenting payments as an income... thank u
Mady Biz
Mady Biz
00:20 13 May 20
Super slow process and seemed like the only time I spoke to them was when I contacted them. Everytime I would call,... there was something else they needed on my end, but didn't bother to tell me so it was just more time wasting. Not to mention I wasn't informed of there almost $1000 broker fee until the final contract and by then I had already signed an agreement to buy a car so there wasn't much I could do... My advise is go straight through a lender and don't waste your time and money using these guys as a middle more
06:05 05 May 20
The customer service was second to none, Tom was very helpful with everything I needed and the quick approval was also... excellent! Will definitely recommend to anyone looking for affordable loans.Keep up the good work more
Dana Powell
Dana Powell
07:34 01 May 20
We worked with Jordan he was fantastic .Friendly and helpful and got the job done quickly.Can't thank him... enough.Will recommend zoom to allread more
Heath Lovel
Heath Lovel
04:02 14 Apr 20
These guys offer an excellent service! For anyone on a centerlink income in excess of $800 a fortnight and are in the... need for a new car loan these are the people to contact! Jordan and Katie were very helpful and the loan was wrapped up within just a few days! I was on a rent to buy car loan agreement previously with a higher fortnightly repayment. but this deal, although a little more expensive than a bank personal loan due to the higher interest rate for finance, the finance is worth it when the loan can be stretched out over 3 years as it reduces the fortnightly repayments and makes it more affordable on a centerlink income than a rent to buy option. Highly Recommended! Thanks again guys!read more
Donna McGindle
Donna McGindle
05:47 16 Mar 20
Had an amazing girl named Ruby who absolutely did her best to help me out. Banks are a nightmare so I ended up at zoom... getting amazing service and treated as a real person not a number. Highly recommend. Thank you Ruby you’re more
Glitter Fart
Glitter Fart
04:16 16 Mar 20
Loan went through very quickly with these guys, got approved so fast, very easy going and easy to talk to.Promptly... seeing to all your needs and requests.😁👌read more
Kayla Diegan
Kayla Diegan
07:54 11 Mar 20
Thank u to Ben for giving us a chance and getting us our first car so happy with ur service and how quick the process... was thank u again so much such excellent experience I would recommend in a heartbeatread more
rhys sengstock-graffunder
rhys sengstock-graffunder
06:32 27 Feb 20
Katie was helpful and presented me with options to suit my needs and budget. All the staff were polite, helpful and it... felt like they took the time to do it right the first more
Shenice Corbett
Shenice Corbett
01:55 05 Feb 20
Zoom car loans helped me find finance for a great family car for my little family, very understanding of circumstances... and helpful, as well as being a quick process with great help from zoom team to help with the whole process. Would definitely recommend zoom car loans in helping you find finance For a new great car 🚗 😊read more
Chantelle Franks
Chantelle Franks
06:32 03 Feb 20
Amazing service, I wasn’t getting approved at many places so I found these guys and I got approved and found the car... I love. Ruby was always calling updating where it is and etc was great serviceread more
Shantelle Crockett
Shantelle Crockett
05:46 23 Jan 20
Highly recommended fast pre approved and then took only a few hrs to get my new car. Will deffentley be using these... guys again. Skye was extremely helpful Thankyou for everythingread more
Jane S
Jane S
22:01 07 Jan 20
Quick pre-approval, documents sent electronically. Didn't need to leave home. Friendly, motivated contact. Dealt with... same person more
belinda varagnolo
belinda varagnolo
00:59 11 Dec 19
Zoom car loans helped me every step of the way thanks ruby, I recommend this business highly very fast and easy service... from the whole team thank'sread more
angela proudlock
angela proudlock
04:47 28 Nov 19
Ruby was very professional and was happy to help in anyway with any questions i had And the process was very quick to... applying to actually getting my family car would go through these guys againread more
Luke Deguara
Luke Deguara
08:33 15 Nov 19
After trying multiple different places with no help at all, Jordan from zoom car loans went above and beyond to help me... get approved for finance and made the whole process as easy as possible- ensuring great communication and making sure I understood everything the whole way through and answering all questions I had. He felt like a mate by the end of it - highly recommendread more
Pathith d'Vol
Pathith d'Vol
22:24 28 Aug 19
Really professional to work with. Katie is just amazing to deal with and she knows what she talking about. i would love... to give them 10 stars. These are the best to deal with.They do not treat you like a number but a person who needs help regardless if you are on Centlink or have bad credit .read more
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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 Platinum Trusted Service Award, issued by Feefo as well as a 4.7 average on Google Reviews. Here’s what some of our recent clients had to say.