Bad Credit Car Loans

If you're having trouble securing credit, or don't know where to start. We can help. We work with reputable lenders big and small to find a car loan that suits you.


A car is an essential asset; without it, life can quickly become unbearable. Whether it’s for leisure, family, work, travel or running errands, cars have changed for the better how we run our daily lives.

A bad credit rating or no credit rating at all can hinder you from owning a car and restrict your quality of life. While many lenders might deny you a loan, there are a few who will accept to lend to you, but charge you exorbitant interest rates on your car loan.

If you have a bad credit rating and you’re not sure if you’ll get a car loan, then you’ve come to the right place. At Credit Made Simple, we specialise in offering our clients sustainable and equitable finance options in spite of their credit rating.

Do not let a bad credit rating stop you from owning this valuable asset. We’re here to help you overcome this hurdle and make life easier for you.

Our Reputable Lenders

Why choose Credit Made Simple?

Finding a reasonable and easy-to-service car loan can be daunting, especially if your credit score is below average. Our experienced and knowledgeable staff work with reputable lenders to find a solution that works for your situation.

We will work with both you and our partnered lenders to ensure that you not only get your favourite car but also get access to the best car loan for your situation.

How Does A Bad Credit Car Loan Work?

A bad credit car loan is not that different from a secured car loan.

The lender approves the amount needed by the borrower to finance the car, and the borrower then assumes ownership of the vehicle. The car, an asset, is used as collateral on the loan.

The borrower is expected to make regular repayments to the lender on agreed dates until he settles the total loan amount plus interest. Bad credit/No-credit car loans naturally attract higher interest rates and fees compared to secured car loans.

Do I Qualify For A No-Credit/Bad Credit Car Loan?

To qualify for a no-credit/bad credit car loan, you need to be:
• An Australian citizen
• Over 18 years of age
• Employed or have a steady source of income
• Provide a complete and accurate finance application form.
• Prove that you can take debt and meet your repayments.
• Provide bank statements and savings that show that you can cover your loan.

What Should You Do Now?

At Credit Made Simple, our loan experts will examine your situation, and guide you through the whole process and all the options available to you.  Contact us today to learn how we can help you can secure a loan to buy your dream car.