Bad Credit Car Loans From $8000 - $55,000

We search the non bank car lenders, credit unions, private car loan lenders and bad credit car dealers to match you with the best new or used bad credit car loan option.

Do you qualify for a Bad Credit Car Loan with us?

  • Must be employed 3 months+

  • Must earn min. $700wk

  • Must have 2 defaults or less

  • Must have NO (Zero) payday loan or small loan defaults (unpaid)

  • Must have clean bank statements (no missed payments to current lenders)

  • Must have 1 current payday lender maximum.


Answer a couple of questions; the amount you need for a car, when you are looking to buy a car, your residential, employment and credit history.


We then search, compare and choose the best bad credit car loan lender, based on your car loan with default requirements.


We will then contact you back with your pre approval and finalise your application for a formal bad credit car loan approval.

Cmon, Let’s get started


Bad Credit Car Loans Guaranteed Approval

Unfortunately, no one can guarantee you a bad credit car loan approval, especially if you some past credit issues, however we do our best to get you approved for a bad credit car loan, no matter what your past credit defaults.

At Search Finance, our aim is to provide you with the best bad credit car loan rates we can search, find and provide to you, as a customer. 

We are always searching and talking with many bad credit car loan lenders both online and offline, and if we can get you a better bad credit car loan deal and a cheaper bad credit car loan rate, we will certainly do that for you.


Bad Credit Car Loans Approved $8000 - $55,000

Recent Customer Feedback

We would just like to thank Matt and his team what a wonderful company, we had a couple of major credit issues, they not only got us a car, but also helped us to start paying off our debts, thank you, 


Can not believe I got approved with 6 children but I did, and now have my Tarago, thanks Bruce and Matt, 


Thank you Matt for getting us approved for a car loan, great service. 

B. Mennies

If you need car finance and have a credit default, then contact these guys, they can help, they helped me get a car. 

J and R.Willmott

I was approved the same day for a car and thought my 2 defaults could be a problem, but was approved and happy, 

B Cavanagh

Got my car, wanted $10,000 but $8500 was close and ended up getting a different car, I recommend this loan service,

L and J Miller  

Others said no way and you helped me get approved for a car even with a $2500 credit card default, banks said no, you said yes so thank you,

W Collins

Frequently Asked Questions

What will my car loan approved amount and car loan repayment amount be?

That depends upon our credit assessment, the end amount you are approved for and what category you fall into.

When we approve you for a car loan, we will give you a maximum car loan approved amount and tell you your car loan repayment amount per week, fortnight or month.

We base your car loan amount on what you can afford without any hardship.

What will my interest rate be?

That depends upon your overall credit assessment.

Customers with long term employment, stable residence, and say a small default will generally get a better rate than someone that is employed on a casual basis, always moving house with 2 or 3 defaults.

I've never had a car loan or car finance. Can you help me get an approved car loan?

Yes we can. First time car loan borrowers are always welcome. We can help get you approved for a bad credit car loan.

I am undergoing bankruptcy. Can I qualify for car loan? 

If you are an ex bankrupt or discharged bankrupt, then yes we can help, if you are a current bankrupt, then unfortunately no.

Can I finance a car through a private seller?

Yes you can. If the car you wish to buy is a private sale, we can get your car loan approved for a private sale.

How long after submitting my car loan application will I know if I am approved?

In most cases we will have an answer within 24 hours of receiving your car loan application.

More Frequently Asked Questions

Is my car loan application secure online?

Yes, your car loan application is secure and also confidential.

How much can I borrow? How much will my bad credit car loan approval be for?

Your car loan application and car loan approval amount is based upon a number of factors. These are your current salary, your employment history, your credit history rating, your past loan repayment history, and other factors such as any past bankruptcy.  

How much deposit will I need if I am approved for a bad credit car loan?

95% of the time we can offer a no deposit car loan option.

Does my car trade in count as a deposit?

Yes, your car trade in will count towards your deposit.

What if I do have bad credit, can you help?

We try our very best to get you a car loan approval, even with a past credit issue.

Generally speaking, if you are an ex bankrupt, ex part 9 or have 2 or less credit defaults, we should be able to help you with a bad credit car loan approval.

The main issues are “current bankrupt” or payday loan defaults that have not been paid.

Also if you have repeated overdrawn on your bank statements, or missed payments to your current payday , small loan or personal loan lenders, this can sometimes stop you from getting a bad credit car loan.

Lastly, if you have a number of payday (small loans) this can stop you from getting approved for a car.

Can I use a guarantor?

Yes you can, but they must be able to show a benefit in going guarantor ie: use of the car.