Bad Credit Car Loans

Car loans with bad credit - up to $100,000 - fast!

At Rapid Finance, we have helped thousands of customers get car loans with credit issues. View our full range of car loans.

  • No 'hard' credit check - no mark on your credit file
  • Must earn over $700 per week to qualify
  • Fast application and approval - usually within 24 hours
  • Finance for new cars, demo cars and used cars
  • Affordable loan terms to suit your needs
  • 20 years of bad credit car loan experience

Video: Bad Credit Car Finance in 3 easy steps. 

Free Finance Assessment

Over 20 years bad credit experience

Based on the criteria you have selected, you may qualify with one of our partners. Click continue to be referred to continue your enquiry

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What are bad credit car loans?

Bad credit car loans are designed to assist borrowers having trouble obtaining finance through traditional lenders, often due to a low credit score or no credit history.

Lenders may approve loans for individuals with a history of poor credit or those who face challenges in securing loans from mainstream lenders due to factors such as risky employment situations (e.g., self-employment, part-time work), receipt of Centrelink payments, or a need to improve their credit score.

Rapid Finance has specialised in bad credit car finance approvals for over 20 years. We work with a network of understanding lenders who consider your past circumstances and explanations, often funding loans even in cases of bankruptcy (after 12 months).

Car Loans with Bad Credit? We could help!

If you've been declined elsewhere, due to a poor credit rating, this is where Rapid Finance could help!

We have over 20 years of experience in securing car loans for people with varied credit histories. Understanding life's challenges like breakups, business issues, or other ups and downs, they offer help even with credit defaults, judgements, job changes, or relocations. Despite a low credit score, we could still assist you.

We could help with car finance for:

Each loan application is unique, and Rapid Finance aims to find solutions for every customer. Being declined by a bank or lender doesn't mean a car loan is impossible.

If you've been declined elsewhere, don't worry - we know lenders who may consider your case. Our Free Financial Assessment offers tailored answers for your financial situation. Start today and you could soon secure your car loan.

Other situations we can assist with:

Bad Credit Car Loan Calculator

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Please note: This is an estimate provided for illustrative purposes only and is based on the accuracy of information provided. It does not constitute a quote. Additional fees and charges may apply dependent on your individual circumstances. Fees, such as early repayment costs and establishment fees, are not accounted for in the examples of weekly repayments. Interest rates may be subject to change throughout the term of the loan.

Rapid Resources

How to Get a Car Loan with Bad Credit

Have you found your dream car but don’t have the cash to pay for it? Are you scared your bad credit will mean being rejected for a loan?

Read more

How Do I Know if I Have Bad Credit?

The irony of a credit score is that, often, people don’t know what theirs is like until they need to rely on it. So, how do you know if you have bad credit? And what does it mean for your loan application?

Read more

How we find loans for people with bad credit

Turned down due to your credit history? Here's what you can do next to secure finance.

Read more

Car Loans with Bad Credit FAQs

Have more questions about car loans with bad credit? Call the team on 1300 467 274 and we'll be happy to help.