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 634 customers on Trustpilot


What Our Finance Clients Say

Positive experiences
from real people.

Geat experience applying for car…

I had great experience applying for car loan with no stress. Amazing customer service, help and support from Rhys till I found the car I wanted. I...

Jihan Chehayeb

3 Days ago

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Joe was my case manager and he was…

Joe was my case manager and he was awesome guy to deal with 10/10 for his service

Ammanoel Zia

4 Days ago

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The guys at positve were easy to talk to, friendly, Very helpful and also supportive through each step of my lending process. I had no issues with...

Jodie Collop

5 Days ago

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Excellent to deal with

Excellent to deal with. So easy. Chris Murray was a pleasure to deal with. Would definitely use them again

Daniel Martin

6 Days ago

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We make finance a Positive experience