A Second Chance For Good People who are struggling with bad credit car loans! 

  • Second Chance Car Finance
  • Same Day Finance Approvals
  • Free Car Loan Pre-Approvals
  • Flexible Vehicle Loan Repayments
  • 1-7 Year Loan Terms
  • No Early Payout Fees
  • We Protect Your Credit Score

Have you had some poor credit issues in the past and are now need a loan for a car?

You’re not alone in this struggle. Many people find it challenging to secure car loans when their credit history is not perfect. At Loans and Mortgages  , we understand how frustrating it can be to get turned down by conventional lenders because of your credit score.

Bad Credit Car Loans

How to Apply for Bad Credit Car Loans?

Apply now for fast approval of your bad credit car loan.

Loans and Mortgages  was founded on the idea of helping good people that want to do the right thing with their loans and credit rating to get back on track financially.

Does this sound familiar? You’ve had some issues in the past that are now no longer holding you back from being able to repay your next loan commitment. If this is you, then our team will do everything in their power to help find the right car loan for you.

Our bad credit car loan brokers are here to help you with whatever type of car loan you want. It’s important to understand that just because you’ve been down, doesn’t mean you’re out. Here is some more information about the types of bad credit car loans available to you if you qualify.

We have been providing car loan options to people with less than perfect credit files since 2006. The knowledge and expertise that we have gained over the years allows us to fully understand just about every scenario thrown our way.

Even if you have had issues in the past, we can help if you meet the following criteria

  • You earn over $45K/annum from employment
  • You’re employed full time for 1+ months,
  • or casually employed for 3+ months
  • No more than 2 current PayDay Loans(Loans of $2,000 or less)
  • No excessive Buy Now Pay Later facilities
  • (e.g AfterPay, ZipPay, Humm)
  • No excessive gambling
  • No excessive ATM cash withdrawals
  • You meet current financial commitments
  • (no dishonours / hardship claims
  • Defaults are under arrangement, or that
  • you’re willing to place under arrangement

5 Simple Steps To Getting Your Car Loan

  1. Apply-Provide some details about yourself, your loan objectives, and the car you want to buy.
  2. Speak to an expert-Our car loan Lending Specialists will run through all of the finer details to get your vehicle finance underway.
  3. Get pre-approved for your car-We’ll get you approved with the lender best suited to your individual profile. You’ll be able to go car shopping, knowing exactly what you can purchase!
  4. Sign your loan contracts-Once everything is verified, we’ll walk you through a simple contract signing process.
  5. Get your new car-We’ll communicate with your lender through the entire settlement process. You’ll know exactly when you can pick up the new car

Loans and Mortgages offers a range of bad credit car loans with competitive rates and flexible payment terms. We pride ourselves on being the most trusted and experienced mortgage servicing company in Australia offering services in New South Wales, Victoria, Queensland, Western Australia, South Australia, and Tasmania.

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