• BadCredit Car Loans

    For Bad Credit Clients

    Leading Provider

    We overcome the problems you've had finding a car loan with bad credit.

  • ApplyNow

    Fast track your finance with our online option.

    Intellichoice

    We source the right finance for your needs.

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  • BadCredit Car Loans

    Specialising in loans other brokers can't stomache.

    Intellichoice

    We source bad credit home and car loans successfully.

  • BadCredit Car Loans

    Setting new standards in finance broking.

    The Forerunners

    Delivering well informed lending options so you can make Intelligent choices...and achieve your dreams.

  • BadCredit Car Loans

    We'll find you the RIGHT loan under the RIGHT conditions.

    It's not about selling a product for us... it's about building a relationship.

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Bad Credit Car Loans

Are you looking for a car loan, but you've got a bad credit rating?  

Intellichoice specialises in the difficult-to-get loans and we've been successfully providing bad credit car loans to clients all over Australia.  There are many reasons why people find themselves with a bad credit raing.  You may have been turned down by the banks but here at Intellichoice, we may be your second change at the vehicle you need.

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 car loans have enabled buys with bad credit to purchase their vehicle when other lenders won't give them a second change.


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.

What is a bad credit 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.