Car Loans From
$2,000 to
$25,000
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Brisbane Bad Credit
Car Loans:
Car and Vehicle Loans From $2,000 to $25,000.
We could help you buy your dream car in Australia.
Fast Approval Process
All Vehicle Types
Centrelink Friendly
Car Loans From
$2,000 to
$25,000
Fast Approval Process
Car & Vehicle Loans
What Is a Bad Credit Car Loan?
A bad credit car loan is vehicle finance offered to applicants whose credit history defaults, missed payments, a low credit score, or no credit history at all might see them declined by a mainstream bank. Rather than relying on a credit score alone, lenders in this space typically weigh your income, expenses, and overall affordability.That doesn't mean approval is automatic or guaranteed for everyone. It means the door isn't necessarily closed just because your credit report isn't perfect. Every application is still assessed individually, and outcomes depend on your circumstances, the lender's criteria, and the information you provide.For a broader look at how this works outside Brisbane, see ourbad credit car loans page.
Funds in 60 seconds
On approval, any day
of the week.
Car & Vehicle Loans
How It Works, Step by Step
Set a budget for your vehicle. Knowing roughly what you want to spend makes the rest of the process faster.
Get a soft quote or pre-approval. See an estimate of what you may qualify for before you commit to anything.
Shop around. Use your indicative budget to compare vehicles and negotiate with confidence.
Provide vehicle and seller details. Once you've found a car, submit the specifics so the loan can be finalised against it.
Complete your application and, if approved, receive your funds. Timeframes vary by lender and individual circumstances, some approved applicants may receive funds the same day, though this isn't guaranteed for every case.
Funds in 60 seconds
On approval, any day
of the week.
Car & Vehicle Loans
Who are Eligible?
Eligibility for a bad credit car loan generally comes down to affordability rather than a single credit score threshold. Lenders typically consider:
Your regular income: from employment, Centrelink, or a combination of sources.
Your existing expenses and other debts.
The age, value, and type of vehicle you're financing
How long you've been at your current address or job, in some cases.
There isn't a single "minimum" credit score that guarantees approval, some lenders will still consider applicants with quite low scores, but every application is assessed on its own merits. If you're not sure where you stand, a soft quote (see below) is a low-risk way to find out.
Not a Brisbane resident, or on a visa? We also offervisa-friendly car loans for applicants who meet the relevant criteria.
Funds in 60 seconds
On approval, any day
of the week.
Car & Vehicle Loans
What Affects Your Interest Rate?
There's no single number that applies to every applicant, the rate you're offered can depend on a combination of factors, including:
Your profile: credit history, income stability, and existing debts
The vehicle: its age, condition, and value, since older or higher-mileage vehicles can carry different terms
The loan term: shorter terms can mean higher repayments but potentially less interest overall, and vice versa
Fees: establishment and ongoing fees, which vary by loan and lender
Because these factors interact, two applicants borrowing the same amount can be offered different rates. The clearest way to see where you stand is to request a quote based on your own circumstances.
Funds in 60 seconds
On approval, any day
of the week.
Car & Vehicle Loans
Estimate Your Repayments
Want a rough idea of what your repayments could look like before you apply? Ourcar loan calculator lets you adjust the numbers to see indicative repayment estimates. Figures are estimates only your actual rate, fees, and repayments will depend on your approved loan terms.
Funds in 60 seconds
On approval, any day
of the week.
Car & Vehicle Loans
Documents You'll Need to Apply
Having the right paperwork ready can help your application move faster. You'll generally need:
Proof of identity (such as a driver's licence)
Proof of income (recent payslips or Centrelink statements)
Recent bank statements
Details of the vehicle you're looking to finance, once you've found one
Exact requirements can vary by lender and by individual application. see our full rundown ofdocuments you'll need for more detail.
Funds in 60 seconds
On approval, any day
of the week.
Why choose Cash Direct
Why Thousands
are choosing
Cash Direct Loans
Simple, fast and built around you. Designed to make borrowing feel easier, safer and more convenient.
Trusted by thousands of Australians
Real people. Real support. Real results.
01
Easy. 100% Online Process
With our easy online process and digital signing, there is no more messy paper clutter!
02
Fast. Online decisions and payments
Get a fast decision, sign online and eligible payments may be sent quickly with OSKO instant payment.
03
Membership. Get your own
Cash Direct member account.
Once you are a Cash Direct member with good payment history, you can be eligible for our Express Cash Direct loan approval process. You'll always have a back stop in your time of need.
What Our Customers Say
Recent Car Loan Reviews
Our car loans have helped thousands of people get their dream car
“Applying for a loan is very easy, no rushing to bank for statements etc. Staff are fantastic, friendly and solve any issue quickly. I love the fast track option when you are a good customer. Cannot fault!”
Kim
“Easy, efficient and great customer service!”
Samantha
“Because Cash Direct really helps those in need. Very accommodating with all the inquiries. Fast and reliable transactions guaranteed.”
Tameika
“Cash Direct are easy to deal with, from the initial application process and throughout the term of the loan.”
Lilian
Secure the funds you need
with deserved service.
Car loans without all the usual hassle and wait time.
Securing a pre-approved CashDirect Loan empowers you, providing the knowledge of your specific borrowing capacity even before you engage with a car seller. Furthermore, it provides a speedy transaction experience and alleviates concerns about car financing, ensuring a smoother, hassle-free car purchasing journey
- 01Select a budget for VehicleSet your purchase budget. Link this with your regular budget, and your needs and benefits of the Car or Vehicle.
- 02Get Pre-Approval from Cash DirectGet Pre-Approval from Cash Direct. Share your simple personal details, budget information and intended Car or Vehicle Purchase. It’s a practical and smart step in the vehicle purchasing process.
- 03Shop Around. Haggle and find your best deal.With a pre-approved Vehicle Loan from Cash Direct you can start your car hunting journey with ease. Find and lock in on the best deal for your dream car.
- 04Provide Vehicle and Seller InformationAfter selecting your dream car and finalising a good deal, provide vehicle and seller information to Cash Direct to finalise your Loan.
- 05Get your new carWe fund the loan, often directly to the seller. You drive off!
*Car loans without all the usual hassle and wait time.
Car & Vehicle Loans We Offer at cashdirect
Providing a wide variety of flexible loan options for different types of vehicles.
FAQ
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Cash Direct small cash loans in Australia.
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Support when
you need it
- Current or recent loan history
- Your income level and ability to manage a responsible budget
- Absence of poor habits that impact your budget such as Gambling, Gaming
- Filling out our quick online application with your personnel details, some ID and required loan details such as amount and the car or vehicle you intend to purchase
- Connection with your 90 day bank account to assess your budget and ability to repay the loan
- A short call with our specialist team to confirm details and explain next steps