The Smarter Way to Get the Best Deal on Bad Credit Car Loans!
In the market to finance a new car but worried about your credit rating?
At eCarz, as leading car brokers we can help you with a range of bad credit car finance options!
We can help you get the best deals even with bad credit!
Enter your details below and one of our car experts will be in touch.
Who are bad credit car loans for?
Bad credit car loans are for anyone who suffers from a bad credit profile and are having difficulty in securing the financing needed to purchase a motor vehicle. With bad credit car finance becoming more common, many lenders are now offering car finance solutions to individuals and businesses with a bad credit score. Call us if your credit history suffers because of:
- Part XI Bankruptcy
- Late Credit Card Payments
- Late Bill Payments
- Bad Previous Decisions
Why choose eCarz for your bad credit car finance?
- Customised finance solution that best suits your needs
- A panel of over 40 lenders
- Quick approval (Some within 10 seconds!)
- High approval rating – We are the finance experts
- Obligation-free quotes
- Satisfaction guaranteed – check out our testimonials
* based on a commercial contract for a new vehicle with specific criteria.
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Frequently Asked Questions!
What are bad credit car loans?
A bad credit car loan or ‘second-chance car loan’ is a financing option that allows an individual suffering from a bad credit history to secure credit to purchase a motor vehicle.
Are interest rates higher on bad credit car finance?
Interest rates can be higher on bad credit loans if lenders deem you to be a high credit risk. At eCarz, we have access to a range of bad credit lenders and will work towards finding you the best deal possible that takes into account your individual circumstances.
Do I have bad credit?
If you are finding that you are having difficulty securing financing, you may have bad credit. As part of our bad credit car loan service, we do a free credit check that will help determine your credit score. You can also get your own credit report from a reporting agency like Equifax.
Can I get bad credit car finance if I have defaulted or declared bankruptcy in the past?
Yes! Bad credit car finance is becoming more common and many lenders are now offering car finance solutions to individuals and businesses with bad credit including past defaults or bankruptcy. Speak to our car finance Brisbane team today to see how we can help you!
Can I get 100% car finance with bad credit?
Yes, it is possible to get a no-deposit bad credit loan, but it can often prove to be more difficult. A deposit or trading-in your current vehicle can go a long way in showing lenders your commitment to the purchase and can greatly increase the chances of approval.
How long does it take to get bad credit car loans?
The entire process from application to approval will vary on a case by case basis. In some cases, we can get you an approval within seconds!
How do I apply?
Applying for a bad credit loan with eCarz is easy! Simply fill out your details above or call us on 1300 378 387 and a bad credit specialist will be in touch to walk you through the simple process.
Can I get a pre-approval?
Yes, our team of dedicated finance specialists can get you the pre-approval you need to shop for a car with confidence. Speak to us today.
Do you have other car financing options?
Yes, at eCarz, we specialise in car finance Brisbane, Sydney, and Melbourne wide that is specifically tailored to suit your needs. We can arrange car leasing, novated leases, chattel mortgages, hire purchase agreements, low doc car loans, and more.
Can I get a bad credit loan on a used car?
Yes, our team of finance specialists can help you get the finance you need on both new and used cars.
Do you offer a car buying service in addition to bad credit car loans?
Yes, we are a full-service vehicle broker that can do the research and price negotiating on your behalf to ensure you get the best deal on your new or used car. Our professional car buying service has a proven record in helping clients save time and money, avoid the hassles of negotiation, avoid hidden fees, and more!
Read What Our Customers Says About Us
- EmJ Rick
Would give more stars if it allowed me but highly highly recommend eCarz! Ace stepped in after a long and hopeless process to getting me in a new car, within 24 hours I was approved and driving away with a massive smile on my face!:) Ace and the eCarz team made this process the most uncomplicated and easy sailing process I’ve had since searching for a new car. Absolutely put their customers needs first above and beyond anything else. Thank you so much for stepping in and helping me through what was a very tough process and making it feel like I had someone finally in my corner fighting alongside to get a perfect result! 10/10 recommend
- Damien Borrow
I would like to thank you and your team, Jason for all of your efforts during the boat purchasing process. You guys know your stuff and have acted very professionally and highly capably from the very beginning of the first enquiry.
- Andrew Harvey
Working with Ace and his team was super easy which made our purchase even easier than expected. We'd picked our preferred car and eCarz did the rest. 3 days later we had our new car in the driveway! Wonderful experience to say the least. We are organising a motorbike purchase now and we have absolute confidence that eCarz will get it done for us just as quickly! Thanks team eCarz!!
- Ron Fenner
I was recently required to purchase a commercial vehicle for my business Ace was able to obtain a great price within 1 hour At the insistence of my financier, I agreed to allow his car broker to obtain a quote for me also. After 1 day the best price he could obtain was still $1500 more than the quote from Ace. Ace secured the deal and was even thankful enough to meet me at the handover of the vehicle. Great price Great service Thanks Ace
- Matthew Byrne
Shane was prompt, professional and kept me informed every step of the way. I cannot think of the last time I experienced customer service of this high standard. Shane proved he was working in my best interest time and time again. I, and my friends/family will all be talking to him again soon.
- Kelly Gilbert
Kerry-Anne was absolutely amazing - very professional and so helpful at explaining all the aspects of taking out finance. She really took the stress out of finding the best loan. Would highly recommend!
- Bernard Vandeventer
Tammy kept me up to date with progress all the time. Nothing was too difficult for her to manage and follow up. She always came back with an answer. I felt like I had support 24/7. Extremely positive approach and you are always treated as a valued client. She is changing the face of Finance!!
- Annie Reuss
Working with Ace to secure a car for my brother has been the best car buying experience I've ever had. He took over everything and ensured my brother had the car he wanted in under 2 days. Not only did he acquire the exact car my brother was after, he had it delivered from Maroochydore to my brother's workplace. If you are looking for a car, I would recommend Ace. Regards Mike Pappalardo
- Claude Norval
Thanks to eCarz for helping us finding finance for our new family member, Sean really knows his stuff and I can recommend anyone to give them a shot!
- Kathy Goodrich
Kerry-Anne was fantastic, helped us enormously, and nothing was too much trouble for her. Unreservedly recommend her and eCarz for any financing requirement. Ours got sorted really quickly and Kerry was there at all stages to assist. Legendary stuff. Thanks all Peter .