Bad Credit Car Loans2020-06-09T12:06:56+10:00

Bad Credit Car Loans

Don’t let bad credit hold you back from getting your dream car

Looking for a Car Loan but have existing Bad Credit?

Yes it’s possible to get a Car Loan if you have defaults or Bad Credit.

Centrelink Income or Bad Credit? We Can Help!

Whether you forgot to pay off your credit card, didn’t receive a utility bill, missed a few repayments on your loan, have been bankrupt or have just had a bad run, Loans For U can help with Bad Credit Car Loans available for both dealership and private sale cars.

Maybe you’ve only been in the country for a few years or have a Centrelink only income, our car finance consultants are experts at looking at your overall profile and establishing which financier will give you the best approval.

Been Knocked Back By Your Bank or Other Financiers?

If you have a bad credit rating or have been knocked back by your bank or other financiers and brokers, we have accreditations with financiers who can give you a second chance at car finance. Having long and established relationships with our financiers means that we have the opportunity to tell them your story and explain to their credit assessors why you deserve a chance at car finance.

Our experienced consultants know exactly what financiers look at when assessing a finance application, so they can also give you guidance and suggestions to get you back on track and help you take steps to improve your credit rating. Speak to a friendly Loans For U consultant today for an obligation-free chat and we’ll help get you on the road sooner.

Car Finance Options to Suit Your Needs

Secured Car Loan

A Secured Car Loan is a type of personal car finance where the financier takes security over the car and advances the customer the funds to…

Personal Car Loan

Need to buy a new car, arrange repairs on your current car or to take control of your finances through a consolidation loan…

Novated Lease

A Novated Car Lease is an agreement between yourself (the employee), your employer and the financier where your employer leases a car…

Refinance Car Loan

Refinancing your car loan could potentially save you thousands of dollars in interest over the life of your car loan…

Low Doc Car Loans

Self-employed? No financials or tax returns? No problem, Loans For U are here to help with a low or no doc car loan…

Chattel Mortgage

A Chattel Mortgage is one of the most popular commercial vehicle finance products available because of the competitive rates and tax incentives…

Commercial Hire Purchase

Fixed monthly repayments and tax incentives are some of the many benefits of Commercial Hire Purchase agreements for Businesses…

Asset Lease

An Asset Lease allows you to lease a vehicle without the inherent risks associated with owning the vehicle outright or even having to outlay any money upfront to purchase the vehicle…

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Repayment Calculator

I want to borrow over a period of with repayments

At today’s lowest car finance rate* of 3.75% you’ll pay approximately…


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Car Loan Comparison

Borrowing $20,000 over 5 years with weekly repayments

Lender Advertised Rate* Comparison Rate Repayments
Loans For U


5.08% $101.67


8.57% $101.67


8.68% $140.45
St George


8.60% $142.11


16.84% $142.11


13.56% $161.90

Ready to get started?

Apply Online Today & Save!

  • Compare 40 + lenders
  • Same day approvals
  • Save time & money

Why Do Thousands of Aussies Choose Loans For U?

Save Time & Money

Our average client saves $880 choosing finance through Loans For U as opposed to going through their bank^. With lower rates, affordable repayments, flexible loan options and same day approvals & settlements.

Fast, Friendly Service

Our expert Finance Specialists have years of experience negotiating the best possible finance options for our valued clients. We will go the extra mile to ensure you get the best possible finance to suit your individual needs.

Lowest Rates

Our years of industry experience along with long established relationships with Australia’s most trusted financiers enables us to negotiate the very best possible finance options on your behalf.

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Ready to get started?

Apply Online Today & Save!

  • Compare 40 + lenders
  • Same day approvals
  • Save time & money