500
Weekly
Fortnightly
Monthly

Loans from $2100 and upwards require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

The Interest Rate for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.


Bad Credit Car Loans can get you back behind the wheel ASAP!

 

Bad credit car loans are perfect for anyone with a low credit score. You can use them to pay for a variety of vehicle-related bills. You can apply for bad credit car loans up to $15,000. Bad credit car loans may feature an establishment fee and incremental repayments and can be repaid over a period of up to 24 months.

 

In the world of easy car finance, Good People Bad Credit can make the process of finding you a lender that much easier. And the best bit? We’re 100% online! Simply, stroll (so to speak) into our online car loan dealership. We’ll ask a couple of questions, get some basic details, and start the process of trying to find you a lender! It’s that easy.

 

What are bad credit car loans?

 

Bad credit car loans are finance options for those who don’t quite have a spotless credit history.

 

Life can get tough from time to time. Unfortunately, when it rains it pours, and financial trouble usually adds to the list of other issues. When you’re stuck between a rock and a hard place, you might find yourself having to make some difficult choices. Do I make this payment so I don’t default, or do I knowingly default and keep the money for other things? If you choose the second option, you can use those funds to keep food on the table or fill up your car so you can get to work.

 

Years later you might find yourself in a much better financial position where you don’t need to make those uncomfortable sacrifices. However, you might not be aware that the default from your past could still be on your credit history, resulting in a bad credit score. This can seriously affect your ability to access a loan in the future. If you find yourself needing to pay for car repairs or perhaps an entirely new car but don’t quite have the funds, that leaves you stranded.

 

But not with bad credit car loans.

 

Bad credit car loans can cover customers for a variety of vehicle-related expenses. Having bad credit shouldn’t stop you from living your life, and it certainly shouldn’t stop you from getting back on the road.

 

What can I use bad credit car loans for?

 

Bad credit car loans are extremely versatile – yet another aspect which makes them so useful. If it’s a cost that’s in some way related to your vehicle, chances are you can use bad credit car loans to pay for it. Here are just a few examples:

  • Buying a new car;
  • Buying a used car;
  • Car repairs;
  • Rego payments;
  • Car insurance;
  • Paying for a rental car;
  • Getting your car serviced;

These are really just the tip of the iceberg. Chances are that if you’re faced with a bill to do with your car, bad credit car loans will be able to cover it.

 

What does Good People Bad Credit do?

 

To put it in simple terms, we are a lender-finding service. That might not sound like the most exciting thing on the surface, but it will be once you find out what we can do for you! The world of loans can be a bit of a confusing place for the everyday person. The last thing you want to do in your spare time is read about a whole lot of financial lingo that you don’t really care about. What you need is a quick loan lender without all the technical mumbo-jumbo.

 

If that sounds like you, then think of Good People Bad Credit as kind of a translator. We know all the industry technical terms, so we can sift through the jargon and talk to you in layman’s terms. We take pride in bridging the gap by finding online lenders for the average Joe.

 

If you choose to apply for an online loan by yourself, you might find yourself feeling overwhelmed by the sheer number of options. Seriously, there are seemingly endless pages of results for lenders offering things like “bad credit car loans guaranteed approval.” It would take hours at the very least to make a decision, and even then, are you totally sure you’re making the right one?

 

That’s where we come in. We know how stressful it can be having bad credit, let alone trying to find a lender to give you the time of day when you have less than squeaky clean credit history. We’re here to make the process less stressful for you.

 

Save the time and effort that you would have otherwise spent searching for a loan yourself. Instead, apply through Good People Bad Credit, and we’ll do the heavy lifting on your behalf.

 

Why is it better to apply online than with traditional lenders?

 

Unlike traditional lenders like the big banks, we don’t view bad credit as some sort of crime that you deserve to be punished for. That’s why we offer to find bad credit car loans and other lenders of bad credit loans for our customers. In the past, the banks had a stranglehold on the lending industry. They decided who was and wasn’t able to access a loan, and as a result, a lot of people who really needed some financial assistance were left out in the cold.

 

Thanks to the internet, things are changing for the better.

 

Neo-lenders are now on the scene, and they work with people who banks wouldn’t have given a second glance to find lenders for cash loans. Not only that, but the development of financial technology gets rid of the tediousness of applying! That’s right – all the wasted time that you associate with applying for a loan is a thing of the past. No need to linger in lines, print piles of paperwork or beg bombastic bank managers. If you have bad credit, going online is the best way to find a lender offering bad credit car loans. And Good People Bad Credit can find you a lender to help!

 

How do I apply through Good People Bad Credit?

 

We want as many people to be able to apply for our service as possible. However, we still have a few basic criteria that you have to meet before we can start trying to find you a lender. Don’t worry! We won’t make you jump through hoops just to get the opportunity to apply.

We simply require the following from you:

  • Be an Australian citizen or permanent resident
  • Be 18 years of age or over
  • Have a regular income deposited into your personal bank account for at least the last 90 days
  • Have a direct personal number and email address

Yep, that’s all – just those four requirements. Not too unreasonable, right? We really do want to find bad credit car loans lenders for as many customers who need them as we can.

 

If you check those boxes, you’re ready to apply.

 

What do bad credit car loans cost?

 

The exact cost of your bad credit car loan will differ depending on the amount of your loan and your lender. While we can’t guarantee what the exact costs of your personal loan will be, we can give you an idea of what to expect.

 

A small amount unsecured loan, $1000 up to $2,000:

 

For a small amount credit contract of $1000 – $2,000. If your application is approved by a lender, remember to read your loan contract thoroughly, as it will contain all relevant costs.

 

A medium amount secured loan, $2,001 – $4,600:

 

The costs of a medium amount secured loan are a little different. If your application is approved by a lender, remember to read your loan contract thoroughly, as it will contain all relevant costs.

 

A large amount secured loan, $5000 – 15,000:

 

The costs of a large amount credit contract are again a little different. If your application is approved by a lender, remember to read your loan contract thoroughly, as it will contain all relevant costs.

 

Also, just remember, that if you’re interested in applying for one of the larger loans of $2,001 – $15,000, they are secured loans so, you will need to provide a vehicle such as a car, truck, caravan or motorbike that can be used as security.

 

As always, make sure to thoroughly read your loan contract before you sign it. This will allow you to correct any discrepancies if they occur. You are well within your rights to back out any time prior to signing the contract for no extra charge.

 

Do you conduct credit checks for bad credit car loans?

 

Short answer – no. As the lender-finder, we don’t do credit checks for our customers.

 

However, we do find lenders who may conduct a credit check on your application as part of responsible lending practices. Conducting credit checks is an important part of responsible lending practices, but they’re not the only important aspect of your application. It wouldn’t make much sense if bad credit was the thing that stopped you from getting bad credit car loans, right?

 

The lenders that we can find agree with us. They believe your current financial situation is an accurate indicator of your current finances and your ability to afford a loan. That’s why we look at a read-only copy of the past 90 days of your bank statements. If they can see that you’re handling your finances well, then they may be able to help you out, despite that previous credit history.

 

Can you find car loans for Centrelink customers with bad credit?

 

Yep – we can find car loans for Centrelink customers with bad credit. Not only that, but we also accept applications from those in search of car loans for pensioners with bad credit.

 

Just like having bad credit, receiving Centrelink payments can cause banks to reject your loan application without a second thought. However, if you rely on your welfare payments then you might find yourself in need of some extra cash should some unexpected bills pop up. You can apply for a Centrelink cash advance, or you can apply through Good People Bad Credit and we can see if we can find you a lender who can help!

 

As long as your Centrelink income is consistent and reliable, you can apply for bad credit car loans using our service. Whether you’re after car loans for Centrelink customers with bad credit or car loans for pensioners with bad credit, Good People Bad Credit is the way to go!

 

Want to know more about bad credit car loans?

 

Whether you’re still not sure if you want to apply or you have some more questions, we can help. In fact, you’re already in the best place possible for information – our website! Whether you want to know more about us, how to apply or costs, you’re in the right place.

 

Can’t find what you’re after on our website? We’re always happy to help our customers, so get in touch! Contact us online or send an email to hello@34.87.217.167 and we’ll answer your questions.

 

Bad credit can feel like a big red stop sign preventing you from living your life to the fullest. However, it doesn’t have to be! Apply through Good People Bad Credit today and let’s see if we can help!