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Bad Credit Car Finance

Are you a good person with a bad credit rating? Is everyone saying they can’t help you? Perhaps you can’t even get help to get a Bad Credit Loan?

If you have had some credit problems in the past but are now back on track with a stable job and income we can help you. Even if you still have some unpaid defaults because you forgot to pay off your credit card, maybe missed some repayments, were just unlucky or you are new to Australia and don’t have a credit history.We can still help you.

If you are finding it difficult to get a car, bike or boat loan because you have had a few credit problems we can help you to get finance and put you on the road to establishing a better repayment history and credit rating.

Apply Car Finance Online Now!

Why Choose Us For Your Next Car Finance Package?

Your Information is Safe & Secure

Over 20 Years Experience

Friendly & Professional Team

Customized Car Finance Solutions

Easy Application

Fast Approvals

Competitive Car Finance Interest Rates

Fixed Interest Rates and Fixed Repayments

• Friendly & professional car finance team providing unrivalled individual personal service.
• Fast approvals - apply today and have your car finance approval usually within 24 hours.
• Competitive car finance interest rates – we do the shopping around for you.
• Customized car finance solutions to match your budget - choose a repayment timeframe to suit your budget from 1 to 7 years for your car finance.
• Fixed car finance interest rates and repayments.

More Reason To Choose Cars And Finance Direct For Bad Credit car finance



We have direct access to private funds whereas most finance brokers can only try to place your application with a lender on their panel. This clearly limits your chances of getting a successful car finance deal particularly when you have a bad credit rating.

We understand and know the realities of life - we deal with them every day. Unfortunately one reality is that MOST bad credit car finance applications end up in the rubbish bin simply because they can be difficult and most brokers are not equipped to handle or manage Bad Credit car finance applications. At Cars and Finance Direct we have the experience, the knowledge, the infrastructure and the funds to help you quickly. We take every application seriously regardless of your bad credit history.

We won't treat you like a number; we treat you as a real person, with respect and the dignity you deserve. We appreciate that you are entrusting your car finance application to us and we know that we hold your dream car finance application in our hands. We will work with you to organise your car finance in an affordable and flexible way to help build up your good credit rating and repair your bad credit history. So, why limit your chances? Apply Now! We will have your car finance approved and you in the driver’s seat sooner than you think.

What Do I Need to Apply For Bad Credit car finance ?


Cars and Finance Direct aim to assist all Australian's needing a second chance obtain the car finance they need, but in order to have a realistic chance of getting a car finance you must meet the following criteria:

  • Be presently employed for a period of least 3 months
  • Have proof of income
  • Have a current valid Drivers Licence
  • Be able to demonstrate that you can afford the car finance repayments
  • Have a genuine reason for your Bad Credit problems

Easy And Friendly Online Application For Your Car Finance

We offer the best products, the best service and have the knowledge and experience to provide you with car finance that is the best fit for your individual needs.

Applying for car finance with Cars and Finance Direct is quick and easy, and it takes less than a minute to complete the easy online car finance application.

It's easy so apply today!

Get Car Finance Now

  • Fill in the easy online application
  • Let us give you a call
  • Call us (07)3208 8886
If you request for us to contact you one of our car finance experts will contact you shortly to assist with every aspect of arranging your car finance package.

Our Car Finance Service

  • Cars and Finance Direct can organise car finance for both individuals and business borrowers on new vehicles through all major lenders.
  • Cars and Finance Direct offers a range of used car finance solutions tailored to your needs.
  • Cars and Finance Direct have a wide range of finance providers many of whom offer “private sale”

    car finance

    .
  • Cars and Finance Direct offer

    bad credit car finance

    for people with bad credit. You don't have to miss out!
  • We can provide pre approval on your car finance so you can shop with confidence.
  • Cars and Finance Direct can help you find the car of your dreams.