Bad Credit Car Loans

Been refused elsewhere? Can’t get a loan because of defaults, poor repayment history or bankruptcy? We have access to over 70 different lenders to help get you approval, even with a low or bad credit score or defaults on your credit file.

Low or Bad Credit Score Approvals
Defaults, Bankrupt, Poor Repayment History Ok
No Obligation Pre-Approval
No Application Refused
Same Business Day Approval

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Don’t let a bad credit score get you down

At Simply Finance, we believe everyone deserves a chance to get behind the wheel, no matter their credit history. If you’ve had financial challenges in the past, we’re here to help you move forward with flexible poor credit car loans designed to get you approved.

We work with a range of lenders to find options that fit your unique situation, even if you’ve been turned down elsewhere.

Experienced partners backing us as we go into bat for you.

We’ve developed some powerful partnerships along the way. As well as our auto vehicle finance specialists, we’re linked with 50 lenders, including major big-name banks, seasoned and established lenders, and small yet mighty non-conforming lenders, that deliver great alternative options.

We’re leaders in car loan finance

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Tell us about yourself

Answer a few questions so we can understand your goals, budget and needs.

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Review rates

Take in your options, supplied to you from 20+ providers.

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Choose your loan

Land on the right loan and we’ll be in touch.

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Finalise your application

Upload everything online and answer a few more questions.

  • Quick and simple online application
  • No-obligation pre-approval
  • Flexible loan options
  • Competitive rates

Frequently Asked Questions

Can I get a car loan if I have a bad credit score?

Yes! At Simply Finance, we specialise in helping people with poor or low credit scores secure car loans. We work with lenders who understand that your past doesn’t define your future.

Will applying for a loan hurt my credit score?

No, starting the process won’t impact your credit score. Our team conducts an initial assessment and only proceeds with lenders when you’re ready.

What types of cars can I finance with a poor credit car loan?

You can finance new or used cars that suit your needs and budget. Our specialists will work with you to explore the best options.

How much can I borrow with a bad credit car loan?

The loan amount depends on your income, expenses, and ability to repay. We’ll help you find a loan that works for your situation.