A patchy credit history doesn’t have to stop you financing a vehicle. Specialist lenders look at the whole picture, not just a score.
How bad-credit lenders assess you
Non-conforming lenders weigh the vehicle as security, your income and contracts, and the story behind past defaults, arrears or a paid ATO debt — not just a credit number. Many operators knocked back by a bank are approved through the right specialist lender.
What strengthens your application
A deposit, equity in another asset, a forward contract, or simply time and clean recent conduct all help. Rates improve as your file recovers — many clients refinance to a sharper rate within a year or two.
We know which lenders say yes to which situations. Get an obligation-free quote and we’ll put your deal to the ones most likely to approve it.
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Free quote in minutes, decisions in 24–48 hours. No credit-score impact to enquire.