Car Loans & Finance

Australian Lending Centre offers a range of car loans with competitive rates and flexible payment terms.

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No impact on your credit file

No impact on your credit score

If you credit is impaired, you need to find bank-alternative options, lenders who see past your credit score, and look art the big picture.

Are you looking to stop having to use Uber or public transport? Or do you have a car but it is time to update? Either way, we offer non-bank vehicle financing for people who may have a hard time applying with the banks.

Australian Lending Centre are experts in finding non-bank car loan to suit your needs.

What Is A Non-bank Car Loan?

Non-bank car loans are a specific finance type that is taken out for the purpose of purchasing a vehicle, when you can’t get a loan through the banks. If you don’t have enough money in savings to buy a car outright, and have a less thanperfect credit score, a non-bank car loan is a great option. When your credit score is impaired, you may need to look at a bad credit car loan. What you do need to ensure is that you are able to make the monthly repayments and you get a competitive interest rate.

When it comes to taking out a bad credit car loan, it is often grouped, depending on the lender, as a type of personal loan. This is a broad category of loans that cover everything from paying for your wedding to taking that big trip around the country you always planned.

two types of car loans for you to consider:

Why Choose ALC for Car Loans?

Cars are a major purchase and as an investment don’t generally offer any return – a depreciating asset. A bad credit car loan makes it easier for you to buy that car of your dreams, without waiting for years by saving up or applying with a bank and being rejected.

If you can, a deposit plus car finance can lower your repayments. If you do have a decent chunk of money set aside for a car, it’s worth considering what else you could purchase for that money. It’s a well-known fact that car safety and performance decline with age. Purchasing older car with high mileage can cost you more in repairs and servicing down the track. You need to factor these costs on top of the vehicle’s purchase price.

This means that while you may have a good nest egg of money available to you, it can still be worthwhile taking out a loan to get a new or newer model car, with lower kilometres, that will serve you more reliably and more cost effectively over time.

Spending more money for a better car means you will likely run into less maintenance issues down the track and in turn, save you money. 

Got bad credit? You still have Car loan options

Secured Car Loans

When it comes to car loans, there are two different types you can take out: secured loans and unsecured loans.

Secured loans are used more often than not. The idea is that the vehicle you buy with the loan is then used to secure the loan. This means if you are unable to make the repayments, your car is then seized and repossessed. These types of loans often come with a lower interest rate as the lender is taking on less risk.

unsecured Car Loans

On the other hand, unsecured car loans are generally only seen if you are purchasing a much older car with a lower price tag. In this situation, nothing is offered up as collateral against the loan. This means the lender is taking on all the risk, should you not be able to repay the loan. Unsecured car loans often come with higher interest rates for this reason.

It’s about working out what type of loan best suits your situation and needs and do your research to see how much that type of loan is going to cost you when you factor in the interest rates.

Bad Credit Car Loans

Owning a vehicle is no longer considered a luxury and it can be challenging if you have an impaired credit score. Cars can also cost a lot to purchase and maintain. This can make buying a car outright is difficult for most individuals. Whether it be to get to and from work, taking the kids to school, or to replace a broken-down vehicle, owning a car, for many, is a necessity. The Australian Lending Centre understands this, which is why we offer a range of bad credit car loans.

If you have borrowed money in the past and struggle with repayments then there is a good chance that your credit score will have taken a hit. You might have defaults on your credit report and may feel that there is no way to fix your bad credit. The truth is that there are still solutions, whether you have a bad credit history or not. We understand that negative events like injury, separation, illness or losing your job happens to the best of people. As a bank alternative loan company, we won’t judge you for your past. The Australian Lending Centre is here to provide opportunities for people to create a positive future and get in better financial shape.

What to consider about bad credit car finance

Non-bank vehicle finance opportunities

Bad credit loans are your second choice at finance. If you feel trapped and all you keep hearing is no, bad credit finance is your alternative car finance solution. A car which was out of reach yesterday, becomes a dream come true tomorrow with the help of a non-bank lender.

Do you have bad credit? We work hard to provide the best rates and most flexible terms for you. The Australian Lending Centre has a wide range of financial products to offer. No matter what your circumstance or requirement, there is a good chance that we could have the solution for you.

The Benefits Of Bad Credit Car Finance

Funds in your business loan account


In an ideal world, we would all be able to go out and buy a car with money we have saved up. Unfortunately, bills can get on top of us, as well as day-to-day living expenses, making this almost impossible. Bad credit car loans mean you just have to be able to meet the monthly repayments to pay if off over time.

short term loans for small business


Bad credit car loans give you access to the money straight away. You don’t have to sit back and wait for years while you try to scrimp and save the money for a car. You can discover the benefits of owning your own car today by taking out a loan.

Purchase another business


Bad credit car loans are a fast and convenient way to own your car. Rather than having to spend months or years to save for a car, you can get the car you want, when you want it and pay it off over a reasonable term at competitive interest rates.

How Can bad credit car loans benefit me?

Bad credit car finance takes away the need to save up for months, or even years to afford the extortionate price tag that comes with a car. Instead, you can enter a bad credit finance agreement, which means:

Non-bank car loans give you the flexibility that a traditional lender cannot. This means less paperwork, faster funding times and finance tailored to suit your credit history. Whether you would like to pay off your loan within 3 years or 5, with or without a balloon at the end, it is up to you. While most banks say “no” to people with bad credit, we have lending partners that say “yes” more often.

How To Get Bad Credit Car Finance

Car loans can be sources from a variety of different lenders. It is usually a good idea to shop around and research the different loans on offer to find the one that best suits your needs. It’s a good idea to think about the car you intend to buy when you take out a loan. This will give you a good idea of the money needed, along with whether you will be opting for a new car loan or an old car loan, or going for an unsecured loan or a secured loan.

Knowing all these details will help you when it comes time to take out a car loan. When applying for a loan you will need to provide all these details, along with your ability to meet the repayments. The lender will then assess you borrowing ability and decide whether or not you are worth taking a risk on. Non-bank lenders are more flexible with their loan criteria, so you can get a car loan with bad credit in many cases.

Really Bad credit Car Finance Loan

How do I apply for A Bad Credit Car Loan?

Australian Lending Centre offers a range of bad credit car loans with competitive rates and flexible payment terms. We create a customised package for your needs and circumstances. We look beyond the traditional credit score, and offer alternate solutions to help you get the car loan you need. The process is easy, simply give us a call today or apply online – it only takes 30 seconds. The best part, it won’t affect your credit score at all. With just a click of a button we will have you on your way to cruising down the road in your new set of wheels.

We have helped hundreds of Australians save money with a wide variety of car finance options. Our bank alternative loan partners offer car finance for people who have poor credit or don’t qualify with the banks, due to the bank’s strict lending requirements.

Our expert loan car loan specialists are qualified to guide you through the car finance process. The Australian Lending Centre team actually cares about getting you the best deal so you can reach your car goals faster.

Regardless of whether you are buying a used or new vehicle, privately or through a dealer, we help secure the lowest rates and most favourable loan terms.

It can be hard to find a car loan if your credit is bad or you are self-employed or don’t have documentation such as tax returns. This is why the Australian Lending Centre works hard to help you get the vehicle you want with a car finance product that suits your needs.

apply online

1. Apply Online

Our car loan form takes less than 30 seconds and won't impact your credit score.

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2. Let's Talk Car Finance

Once we get your car loan enquiry, we will call to clarify details and get to know you.

upload financial documents

3. Upload Documents

You will need to upload your documentation so we can verify your information

sign loan offer

4. Sign Car Loan Offer

Once your loan is approved, check and sign your loan offer.

Loan funds transferred

5. Funds Transferred

Funds can be transferred in as little as 48 -72 hours from car loan approval.