No Credit Check Car Loans

Limit the number of 'hard hits' on your credit file

The more hits on your credit file by different lenders, reduces your chances of a successful car loan application. As a specialist car loan broker, we can view your credit file, without making a mark on it, and help get your loan approved by the right lender for you.

Unlike lenders who in most cases will do a hard check on your credit file, as you shop around for finance.

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  • No Unnecessary Hard Marks on Your Credit File
  • Bad Credit Car Loans Available up to $100,000
  • Specialist Loan Brokers Experienced in Bad Credit
  • Large Panel of Specialist Lenders
  • Free Credit Report - See What The Lenders See
  • Spot & Fix Errors and Issue in Your Credit Report
  • Affordable Loan Repayments that Work for You

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What is a No Credit Check Car Loan?

A "no credit check car loan" is a type of auto financing option designed for everyday people with limited or poor credit history. Unlike traditional car loans that heavily rely on your credit score, this option evaluates factors like your income and employment stability to determine your eligibility and loan terms.

It provides an opportunity to secure a car loan even if you have a low credit score or no credit history with minimal 'hard checks' on your credit file.

Advantages of No Credit Check Car Loans

Available with Bad Credit

Traditional lenders may reject loan applications based solely on a low credit score, but car loans without credit checks, consider other factors like income and employment stability, making them accessible even if you have bad credit.

Note that a credit check may still be carried out by the lender, however, the lender may consider other factors when evaluating your application.

Fast Approval Process

They often have a quicker approval process compared to traditional loans. Since they rely less on credit checks, the assessment process is often streamlined, allowing borrowers to get their applications approved quickly.

Improve Your Credit Score

Making regular, on-time payments on a car loan could actually help improve your credit profile over time. As you demonstrate responsible financial behaviour, it may have a positive impact on your credit score.

Varied Income Sources Accepted

These loans typically accept a wide range of income sources, including regular employment income, self-employment income, Centrelink payments (specific types), and other verifiable sources.

Any Vehicle Type

No credit check car loans can be used to finance various types of vehicles, from cars and motorbikes to caravans, campervans, boats, and even equipment. This versatility means you can secure financing for the vehicle that suits your needs.


While no credit check car loans offer accessibility and faster approval for individuals with poor credit, they often come with higher interest rates, potentially resulting in higher monthly payments. Additionally, borrowers should be cautious about the possibility of encountering predatory lenders and should carefully review loan terms and conditions.

Working with a reputable broker like Rapid Finance can help navigate around these disadvantages by connecting borrowers with a range of trusted lenders and ensuring transparency in the loan process. We have over 20 years experience finding suitable car finance for our customers with affordable repayment options and loan terms that work for them - without adding unnecessary loan enquiries on your credit file.

Other Options to Consider

A rent to own car agreement is another option, often considered for people with really bad credit, in place of a car loan. With a rent to own agreement, a formal credit check with a hard enquiry on your credit file is often not required. As this is a rental agreement, with the option to purchase the car or other vehicle at the end of the leasing period.

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Rapid Resources

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