Your address will show here +12 34 56 78

What Documents & Information Should I Have Ready Before Contacting Zoom Car Loans?

APPLY NOW

At Zoom Car Loans, we specialise in helping Australians with bad credit get approved for car finance.

We know that applying for a loan can feel stressful, especially if your credit history isn’t perfect, but we make the process as quick and simple as possible.

One of the best ways you can speed things up is by having the right documents and information ready before you contact us.

That way, we can assess your application faster, find the best lender for your situation, and get you behind the wheel sooner.

Here’s what you should prepare:

1. Proof of Identity

Lenders need to confirm exactly who you are. The easiest way is to have at least one primary form of photo ID:

  • Current driver’s licence
  • Passport
  • Proof of age card

If you don’t have photo ID, you can use two secondary forms of ID, such as a birth certificate, Medicare card, or utility bill in your name.

2. Proof of Income

Even with bad credit, showing you have a steady income is key to getting your loan approved. This helps the lender see you can make the repayments. Most people provide:

  • Recent payslips (last 2–3)
  • Bank statements showing your income deposits
  • Centrelink income statements (if applicable)
  • Tax returns (if you’re self-employed)

3. Proof of Address

We need to confirm where you live. This can be as simple as:

  • A recent utility bill
  • Rental agreement
  • Rates notice (if you own your home)

4. Details of Your Current Financial Situation

To match you with the right lender, we’ll ask about:

  • Any current loans or credit cards
  • Weekly or monthly expenses (rent, bills, groceries)
  • Any dependants you support

Being upfront about this helps us find a lender that’s more likely to approve you, even if your credit history has bumps.

5. Information About the Car You Want (If You’ve Found One)

If you’ve already chosen the vehicle you want to buy, have the details handy:

  • Make, model, year
  • Purchase price
  • Dealer or private seller details

If you haven’t found a car yet, don’t worry, we can still get your loan pre-approved so you can shop with confidence.

Why Being Prepared Helps

The more information you have ready, the faster we can get your application moving.

In some cases, having all your documents up front means we can secure an approval in as little as 24 hours.

At Zoom Car Loans, our team specialises in bad credit car finance.

We know which lenders are more understanding, what they need to see, and how to present your application to give you the best chance of approval.

Ready to get started?

Gather your documents and give Zoom Car Loans a call. We’ll guide you through the process step-by-step.

 No judgment, no fuss, just expert help to get you back on the road.