Bad Credit Car Loans

$50 to $5,000 paid out Today!


100% No obligation loan quote


Get your cash in 60 minutes once accepted*


We don’t credit check or charge any fees†

Fast 3 to 36 month online loans.



Bad Credit Auto Loans

We say yes to bad credit

Worried about your bad credit score? Have you been trying for bad credit car loans but have been getting rejected every time? At SamedayLend, we believe everybody deserves a second chance and we’ll do what we can to help you finally own the car you want despite your bad credit.

We have expert loan consultants that will do what they can to give your loan application as much chance to finally get approved. We’ll even guide you on the steps you can take to help patch up your credit rating.

Car Loans

Borrowers trust our Car Loans

SamedayLend has paved the way for thousands of borrowers to get access to financing when traditional lenders and banks won’t. We work with a variety of financing providers who are more than happy to look beyond your bad credit score.

Our team of specialist financing consultants has been in the business for years. They will take the time to review your personal details to give your application the highest chance of getting approved. 

Upsides of bad credit car loans

Get financing of up to the full value of the car

Lenders will not ask you to make a substantial deposit for taking out a car loan. Our lender partners can grant financing of up to the full cost of the vehicle or even more.

More accommodating lenders

Our lender partners are more than willing to work with you, even when your credit history has not been spotless. To these lenders, your credit record should not hinder you from getting access to a car loan. 

Choose your preferred loan term

You have the freedom to choose a repayment period that is most comfortable for you. You have the option to go for a 1-year term or more, making it easier for you to repay the debt on your preferred term.

Fixed rates

You are protected against fluctuating rates since car loans have fixed interest rates. This ensures that your payments will not only be stable but will remain the same throughout the loan’s term.

Choose between new or used cars

Car loans are not restricted to being used only for brand new cars. Lenders can also finance cars that are bought from private sellers or car yards across the country.

A variety of income is considered

Various income sources can be considered towards your cash loan repayments. Income coming from your full-time job, a variety of part-time jobs, casual jobs or even when you have your own business will be considered.

Bad Credit Car Loans

What type of borrowers can we help?

Customers with defaulted loans

When your credit file reflects how you have defaulted on past online loans, expect that banks and traditional lenders will likely turn down any attempts from your end to take out a loan for at least the next 5 years. Thankfully, our lender partners will be more than willing to overlook this, and our consultants will see to it that you get paired with a financing plan that suits your profile. 

Borrowers interested in used or older cars

It’s common for car financing to use your vehicle as loan security. This explains why most lenders tend to be very particular about the types of vehicles they will approve as loan collateral. Cars that are 10 years or older tend to be refused by typical lenders. Our partner lenders can offer financing to vehicles that are 20-25 years old. Some do not even have a vehicle age cap at all.

Customers with little to no credit history

To most lenders, the absence of a credit history is just the same as a bad credit score. After all, they won’t have a track record to look into to check your borrowing behaviour which can lead to loan rejection. Our lender partners will still be more than happy to consider your car loan application even when you have not taken out a loan before. As long as you can prove that you can afford the loan repayments, you are good to go. 

Borrowers receiving Centrelink income

Borrowers with income where a good chunk of is made up of Centrelink benefits usually find it a challenge to secure car financing from traditional lenders. Our lender partners are more than happy to consider alternative incomes such as Centrelink and are willing to accommodate potential borrowers who have about half or more of their income coming from benefits.

Casual and short-term employees

It’s common for short-term lenders to require casually employed applicants to have at least been with their employer for no shorter than 12 months. Our lender partners do not have the same restrictions in terms of who to give access to car financing and tend to be more open towards applications for bad credit car loans.

Self-employed borrowers

It’s common for traditional lenders to ask car loan applicants to supply supporting documents such as payslips or employment contracts. This makes it a challenge among self-employed borrowers who may not have the required documents. Our specialist lenders are more than happy to accommodate these types of borrowers.

Previously bankrupt or in Part IX customers 

Those who were in a Part IX debt arrangement, as well as those tagged as bankrupts, will usually find it next to impossible to secure bad credit car loans from regular lenders. However, our lenders are more interested in your current means to afford a loan rather than how things were in your financial past. Our consultants will be more than happy to assess your loan application to help you get paired with the right lender. (Credit Representative Number - 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316). is not a lender and does not make credit decisions. matches customer applications with lenders in our network based on the information provided, in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to provide amounts up to $5000. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates.

1. Subject to application being approved by the lender. Not all lenders are able to provide up to $5000

2. Subject to lenders requirements and approval. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. 

Consumer Advisory: SamedayLend is a loan matching service. This site will submit the information you provide to a direct lender. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

All applications will be subject to credit checks and affordability assessments in line with responsible lending. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to $5,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans.

Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service to the public. To operate this service we receive a commission from the lender we refer you to.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.