Whatever your credit profile, we work with clients who have various credit statuses, including fair, bad credit or no previous repayment history. Even if you have suffered bankruptcy we may be able to help.

The Intellichoice Difference

It’s our mandate to work on behalf of our clients, to provide them the insight and valuable advice that will save them time and money. We will answer the questions you won’t know to ask! Our fast, online bad credit car loans have enabled buys with bad credit to purchase their vehicle when other lenders won’t give them a second chance.

It’s because of our knowledge and expertise with the right approach to getting a car loan on a bad credit. At Intellichoice, we address each person’s individual circumstances to get you the best car loan. No matter what your credit profile is, we can help. We work with people who have good, fair, bad or no previous repayment history.

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What is a bad credit rating car loan?

A bad credit car loan is for people that cannot get pre approved for a car loan through traditional lending sources. If you've had a low credit score or you have a low income, you may have encountered rejection from traditional lenders and methods.

Who should apply for a bad credit car loan?

If you've previously had a bad credit raing or your suffered bankruptcy then a bad credit car loan is going to suit you.

You must be discharged from bankruptcy before you can get approved. A bad credit car loan will help you get a second chance at finance to prove yourself and earn a good credit rating again.

What Loan term can I have?

Depending on how severe the bad credit was the loan term can range from 2 to 7 years. Only minor defaults will qualify for a 7 year term so it’s more than likely it will only be a term from 2 to 5 years. The length of term will also depend on how much your income will service the loan.

How do I qualify for a bad credit car loan?

In order to qualify you need to:

1. Currently reside in Australia.

2. Have residency or a visa.

3. Able to obtain car insurance.

Most lenders require a working phone number and proof of residence such as a utility or credit card statement.

If you think you have a really bad credit rating, and have been turned down in the past, we may be able to help. Call Intellichoice, today, on 1300 55 10 45.

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Our team might be able to help you get a car loan despite your credit history. We can help you to achieve your dream of owning a new car or second-hand car fast. We give our clients’ a fair to go.

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If you think you need a second chance don’t give up. We will work with you to make sure you get the best car loan with repayments which you can afford. At Intellichoice we will find a car loan that suits your needs from one of our reputable lenders.

Frequently asked questions

Our team of experts spends the time to find out about you and your circumstances?

Our team of experts spends the time to find out about you and your circumstances?

Our team of experts spends the time to find out about you and your circumstances?

Our team of experts spends the time to find out about you and your circumstances?

Our team of experts spends the time to find out about you and your circumstances?

Our team of experts spends the time to find out about you and your circumstances?

Our team of experts spends the time to find out about you and your circumstances?

Our team of experts spends the time to find out about you and your circumstances?

About Us

Our mortgage broking is second to none. Don’t waste your time and money running around from bank to bank, sifting through ambiguous loan offers only to find they don’t work. Take advantage of our expertise and let us find the right loan or finance to suit YOUR needs.