Stuck riding your bicycle to work in the middle of winter?

Putting up with a car that is, shall we say, temperamental to say the least? Is there some other reason you need to purchase a car, but don’t think you can get a loan?

If you’ve got a less than perfect credit history, that shouldn’t stop you from getting a bad credit car loan. Our experts can get you the loan you need, to get you into the car you need, fast.

Just some of the benefits to bad credit car loans

car loans bad credit

You’ll get the car you need to make your life that little bit easier

credit repair

By making your repayments on time throughout the life of the loan, you’ll start to repair your credit history

future loans for bad credit

Your future loan prospects will be far better after proving your reliability with bad credit loans

Can you get bad credit car finance?

Also known as second chance car loans, we are able to find car loans even if you’ve experienced any of the following situations.

paid or unpaid credit default

Paid or unpaid defaults, including credit card defaults

repossessed cars


bankruptcy discharge

Discharged bankruptcies

no credit history

No credit history

part 9 debt agreement

Discharged from a Part 9 Debt Agreement

loan enquiry

You’ve made too many loan enquiries

Our success rate is excellent, so you can be confident we’ll be able to help you get the car loan you need.

bad credit car loans calculator

Can you afford a bad credit car loan?

Use our car loan calculator to see how much your monthly repayments might be.

Vehicle Purchase Price

Loan Deposit

Balloon Payment



Note: The repayments given by this calculator are an estimate, and do not constitute a quote. Your car loan payments may vary based on your personal or business finance profile.

To get an exact quote for finance, complete a quick car loan quote.

Why choose Positive Lending Solutions for your bad credit car finance?

  • From start to finish, you are our number one priority, not the financial institutions.
  • We have access to the best deals available from over 30 of Australia’s leading banks and lenders.
  • With 35 years experience, it’s fair to say we know what we’re talking about.
  • In less than 24 hours after submitting your application you’ll usually have an answer.

What should you do now?

Call us on 1300 722 210. Our loan experts will talk through the process and the options available, so you’ll have a clear understanding of what your responsibilities will be.

Another way to get the ball rolling fast is to fill out our 30-second Quick Quote form. One of our experts will be in touch ASAP to guide you through the process.

And remember, our information and advice is 100% obligation free, so you are free to withdraw your application at any time. You really have nothing to lose by calling us!

get my bad credit car loan quote

Quick Quote

By clicking Get My Quote, I acknowledge and accept the Terms & Conditions.

Positive Lending Solutions is rated Excellent with a score of 4.87 for customer satisfaction by 639 customers on Trustpilot


What Our Finance Clients Say

Positive experiences
from real people.

Awesome service was helpful and guided…

Awesome service was helpful and guided me through the loan process. Had other lenders that didn’t come close to offering the same personalised...

Aaron Skelly

Wednesday, September 12, 2018

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Paul was great

Paul was great, very helpful & always very friendly. If I ever need another loan I would definitely try positive lending solutions first.

Travis McMaster

Thursday, August 30, 2018

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Super fast and easy lending solutions

Super fast and easy lending solutions, Tim White took all the stress and hard work out of everything. Start to finish was fast, efficient and quite...


Saturday, August 25, 2018

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Positive lending solutions have got the…

Positive lending solutions have got the right people working there. From the initial phone call to the last phone call they were fantastic. Helping...


Wednesday, August 22, 2018

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We make finance a Positive experience