Car Loans From
$2,000 to
$25,000
Fast Approval Process
Bad Credit Car Loans
in Perth
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
Why Perth Drivers with Bad Credit Choose Cash Direct
We believe bad credit shouldn't automatically rule you out of getting the car you need. Our process is built around a broader view of your situation recent income, ability to manage repayments, and your current budget rather than a single number on a credit file. You can also estimate your repayments before you apply, so there are no surprises about what a loan might cost you.
Easy. 100% Online Process
Apply from your phone or computer, upload your documents, and track your application without needing to visit a branch.
Fast. OSKO Payments in Seconds
Once approved and all conditions are met, eligible funds can be transferred via OSKO, which may land in your account in as little as 60 seconds timing can vary depending on your bank.
Membership. Your Own Cash Direct Account
Manage your loan, check your balance, and view an early payout figure any time through your member dashboard.
Funds in 60 seconds
On approval, any day
of the week.
Car & Vehicle Loans
What Counts as "Bad Credit" in Australia?
Credit scores in Australia are generally reported on a sliding scale, from poor through to excellent, depending on the credit bureau. If your score sits toward the lower end often because of missed payments, defaults, or a limited credit history mainstream banks may decline your application outright. That's usually where specialist lenders like Cash Direct come in: we can look at your recent bank statements, income, and spending habits to assess whether a loan is likely to be affordable for you, rather than relying on the score in isolation. Every application is still assessed individually, and approval is never guaranteed.
Funds in 60 seconds
On approval, any day
of the week.
Car & Vehicle Loans
How a Bad Credit Car Loan Works, Step by Step
01 — Set a Budget for Your Vehicle: Work out roughly what you can comfortably afford to repay each week or fortnight before you start shopping.
02 — Get Pre-Approval from Cash Direct: Submit your details online. If pre-approved, you'll have a clearer idea of your borrowing power before you commit to a car.
03 — Shop Around and Negotiate: With pre-approval in hand, you may be in a stronger position to negotiate on price, since you're not relying on dealership finance alone.
04 — Provide Vehicle and Seller Details: Send through the details of the car and seller so we can finalise your loan.
05 — Get Your New Car: Once everything's confirmed and funds are released, you're on the road.
Funds in 60 seconds
On approval, any day
of the week.
Car & Vehicle Loans
How Much Could You Borrow?
Loan amounts depend on your income, expenses and overall situation, but Cash Direct can generally consider amounts from around $2,000 up to $25,000. The exact amount, rate and term you're offered will depend on our assessment of what's suitable and affordable for you, you can use thecar loan calculator to explore different loan amounts and terms and see how the repayments might change.
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
Frequently Asked
Questions
Find quick answers to common questions about
Cash Direct small cash loans in Australia.
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Your data is
100% protected
Quick Process
Simple, fast &
hassle-free
Here to Help
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