Australia’s highest-rated finance brokers on Google
Can I Get a Loan with Bad Credit? Absolutely!
Yes, you can get a loan—even with bad credit! Affordable Funding connects you with lenders who understand your unique situation. Whether you need a personal loan, a small loan, or a no-credit loan, we’ve got you covered.
Eligibility is Straightforward: You need to be at least 18 years old and an Australian Citizen or Permanent Resident. Our streamlined application process could get you approved in as little as 60 minutes, with minimal paperwork and hassle. For your convenience, we offer low-doc loans to speed things up.
And with potential same-day funding, you can get the money you need without the wait!
Submitting your enquiry with us will not impact your credit score
Industry's highest approval rate for Bad Credit Loans. Here’s what we offer:
No biggie, but we’ve got the highest 5-star Google ranking in lending*
Tony was far from being helpful! He was amazing!! Tony not only helped me get a family car he helped us more than that and exceeded our expectations. More than what I asked for. Thank you Tony for helping us through an easy process. Made me comfortable and made everything clear and to my budget. Highly recommended!! So please take this review and get on to Tony as he will help you all the way. Bless you Tony from my family to yours
Thank you for helping my family out. Tony went above and beyond to secure funds for our car. Definitely 110% service and highly recommend this business. Keep up the great work. 👍
A huge Thank you to Gus for helping me get finance for my new car. Fantastic service and support, making the process smooth and stress-free. I am truly Grateful for the assistance in securing the funds for my new wheels! I would definitely recommend you to all and will be back when I need finance again.
I didn't think I'd get finance to buy a car. Ezra was amazing. He kept me informed of the progress throughout the process. He was professional and courteous & worked hard to get me the best outcome that suited my budget.
I'm ever so grateful that as of today, After being denied by few landers because of my working visa finally i got in touch with them. Thank you so much to Ezra for this opportunity. Will definitely recommend him to family and friends.
Tony, I can’t thank enough for all the help and assistance you provided me along with all the understanding you afforded me whilst assisting me in acquiring my vehicle.
Throughout the whole process Tony was so professional, confident, courteous, compassionate and committed to getting the best outcome possible for finance enquiry.
I would recommend Tony and Affordable Funding to everyone and anyone who requires funding for anything from a car to a home loan.
Thanks again Tony, I can’t thank you enough!!
Affordable funding are the best in the biz.
Having been to 4 brokers prior which were of no help due to being 5 months new to AU, Josh and Jay worked my profile to the end, managing 3 finance approvals for different options to suit multiple types of purchase.
They dug deep and were very personalized, ensuring there was a successful outcome.
Josh and Jay were extremely efficient in communication and the overall process, which made it easier, although, knowing my deal wasnt an easy one.
I would highly recommend Affordable Funding to any family, friend, colleague, considering I've had a good history of personal and business lending overseas, Affordable Funding has been the best in my experience, by FAR!
HUGE THANKS AGAIN, Love your guys work, and I will be a loyal client for anything in future.
10 Stars from me!
couldn’t recommend Gus more! he was extremely helpful, helped me understand everything i was unsure about, answered every call and was patient with me. Gus helped me get my dream car 🤩😊 will definitely be contacting him for future finance needs and will recommend him 100%!!
I didn't think I'd get finance to buy a car. Tony F was amazing. He got the ball rolling & kept me informed of the progress throughout the process. He was professional and courteous & worked hard to get me the best outcome that suited my budget.
I'm ever so grateful that as of today, I am the proud owner of this beauty. Thankyou so much to Tony for this opportunity. Will definitely recommend him to family and friends.
We’ll give you the best loan options to compare and choose from.
Yes, Affordable Funding has relationships with multiple lenders specialising in helping individuals with bad credit find car loans. We understand that financial circumstances can change, and we’re committed to finding a solution that works for you. Even with a history of missed payments or other credit issues, you can access tailored loan options with competitive rates and flexible terms.
The process starts with an online application, and you can possibly receive pre-approval within 60 minutes. Once pre-approved, you’ll review loan options from over 60 lenders and finalise your loan with minimal paperwork. The entire process is designed to be fast and efficient, with the possibility of same-day funding, giving you peace of mind and a stress-free experience.
To apply for a bad credit car loan, you’ll need proof of identity, income, residence, and details of your current financial situation. The amount you can borrow depends on factors like your income, existing debts, and the car’s value. We’ll work with you to find the best possible loan for your circumstances.
Interest rates for bad credit car loans are typically higher than those for borrowers with excellent credit. However, Affordable Funding works with lenders who strive to offer competitive rates starting from 6.19%. By managing your loan responsibly and making on-time payments, you can rebuild your credit over time while enjoying flexible repayment terms and potentially no deposit required.
Yes, you can trade in your car to put toward a new purchase, even with bad credit. Additionally, whether you have no credit history or have experienced bankruptcy or foreclosure, Affordable Funding works with lenders who consider various factors beyond your credit score, helping you secure the financing you need.
This page is intended for informational purposes only and does not constitute financial advice. We recommend seeking independent financial advice to ensure any refinancing option suits your circumstances.
