Bad Credit Car Loans
If you’re looking to get back on the road, the answer is simple.
Here at Simple Car Loans, we believe that a few mistakes, or just plain bad luck, shouldn’t mean that you have to wait—sometimes years—to be able to finance the car you want.
Maybe you were late with some of your loan repayments, maybe you have had some trouble with your credit cards, or maybe you were just unfortunate; these things happen and everyone's story is different.
Our bad credit specialists have decades of experience in car lending options and know all of the ins-and-outs of bad credit car finance. Put simply, it's what we do.
What makes Simple different?
Here at simple, we believe that there’s more to car loans than just forms and numbers. Each individual customer receives a personal consultant who takes the time to get to know you, and your situation. We have built Simple Car loans up around the idea that our clients always come first and our customer service is at the forefront of what makes Simple stand out from the crowd. So why not let us help you to get the car you want? After all, the cars we drive say a lot about us.
What can we do for you?
- Simple application process:
Our online application only takes a few minutes and is specifically designed to get you approved as quickly as possible
- No obligation:
Feel free to apply without worrying about having to follow through with your application
- Bad Credit Specialists:
Our team has over a decade of experience in the bad credit sector
- Multiple lenders:
One of the things that sets Simple Car Loans apart is our wide range of reputable lenders. We have spent years building up our long term associations to get our clients really great deals
If you choose Simple as your financial partner, you can have the peace of mind that we have your best interests at heart because we work directly for you. Part of the reason we started this business was to give people easy access to bad credit options that can be hard to find, and we never put forward an offer we don’t 100% believe in .
Although bad credit finance generally has higher interest rates due to the risks involved to the lender, you can rest easy knowing that the consultant handling your case is fighting hard to get you the best deal available anywhere in the country.
Some Simple tips for bad credit approval:
- Collect and review your financial documents and history:
It’s important to take the time to go through your financial statements and credit history to double check that there are no errors and that everything is up-to-date. Clearing up any issues can go a long way to getting your car loan approved
- Be honest about your situation
No matter how bad you might think your situation is, it’s important to show a potential lender an honest application. If you have had problems with credit in the past, make sure you let the lenders know. In the end, it's important to remember that a lender want's to lend you money, but you have to be honest with them.
- Show the lenders that you are not a risk
Use your financial documents to prove that you can pay back the loan and that you’re able to manage the potential debt. If you can, show them that your financial issues are behind you
- Talk to someone that can help
If you need advice or are unsure about what else you can do, contact a finance professional to help you make sense of things.
Some Simple answers to some frequently asked questions:
Am I guaranteed approval for a bad credit car loan?
Unfortunately not. Bad credit lenders work on a case by case basis and will take everything about your circumstances into consideration before reaching a decision, however, there are a number of things that you can do to improve your chances. Read More
What do I need to supply to get a loan approval?
After submitting your application, a lender will scrutinise every area of your financial history, your work history and your residential history to make sure that you can actually afford a loan. Read More
What are bad credit car loan interest rates like?
This is similar to that age old question: How long is a piece of string? Bad credit lending is more expensive than regular finance options due to the nature of the loans. Read More
Can I use a bad credit car loan to finance a private purchase?
This really depends on the lender. Some lenders do not require that you buy a car from a dealer, however, others do. Read More
Melbourne, Sydney, Brisbane, Perth, Darwin, Hobart, Adelaide or even the great Australian outback -it really doesn't matter where you're located, Simple Car Loans can help you get back on the road today.