Yes! At Credit Capital, we specialize in bad credit car loans. We work with 40+ lenders including specialist lenders who consider applications with defaults, late payments, and even past bankruptcy. Your credit history is just one factor we consider – we also look at your current income, employment, and ability to make repayments.

We approve more applications than traditional banks because we take the time to understand your complete financial situation. Many of our customers have been approved after being rejected by their bank.

Most of our customers receive pre-approval within 60 seconds of submitting our online form. Full approval typically takes 2-24 hours, depending on the lender and complexity of your application.

In urgent cases, we can arrange same-day settlement. Our fastest approval was 15 minutes from application to driving away! We work efficiently to get you on the road as quickly as possible without compromising on finding you the best deal.

Not necessarily! We offer no deposit car loans for qualified applicants. This means you can borrow 100% of the purchase price, including on-road costs in some cases.

However, having a deposit (even 10-20%) can:
– Lower your interest rate
– Reduce your monthly repayments
– Increase your chances of approval
– Give you access to more lender options

We’ll assess your situation and recommend the best approach for you, whether that’s no deposit, a small deposit, or trading in your current vehicle.

For most applications, you’ll need:

**Identification:**
– Driver’s license or passport
– Medicare card or utility bill for address verification

**Income Proof:**
– Last 2 payslips (for employees)
– Last 2 years tax returns and bank statements (for self-employed)
– Centrelink statements (if receiving benefits)

**Additional Documents:**
– Bank statements (last 3 months)
– Vehicle details (if you’ve already chosen a car)
– Trade-in information (if applicable)

Don’t worry if you don’t have everything – we can guide you through what’s needed for your specific situation. We work with low-doc lenders if you have limited documentation.

Absolutely! Pre-approval is actually the smartest way to shop for a car. Here’s why:

– Know your budget before you start shopping
– Negotiate with confidence at dealerships
– Move quickly when you find the right car
– Avoid disappointment or wasting time

Our pre-approval process takes just 2 minutes online and gives you a conditional approval for a specific loan amount. This is valid for 90 days, giving you plenty of time to find your perfect vehicle.

Pre-approval doesn’t affect your credit score and there’s no obligation to proceed if you change your mind.

Our rates start from 5.99% p.a.* and vary based on several factors:

– Your credit history and score
– The loan amount and term
– Whether the car is new or used
– Your income and employment status
– The age of the vehicle

**Typical rate ranges:**
– Excellent credit: 5.99% – 8.99%
– Good credit: 9.00% – 12.99%
– Fair credit: 13.00% – 16.99%
– Bad credit: 17.00% – 24.99%

Because we compare 40+ lenders, we can find you competitive rates even if you have credit challenges. We’ll show you multiple options so you can choose the best deal for your circumstances.

*Rates are indicative and subject to lender assessment.

Yes! Refinancing can help you:

– Lower your interest rate
– Reduce your monthly repayments
– Pay off your loan faster
– Access better loan features
– Switch from a bad credit loan to a standard loan (if your credit has improved)

Many of our customers save $50-$200 per month by refinancing to a lower rate. If interest rates have dropped since you took out your original loan, or if your credit situation has improved, refinancing could save you thousands over the life of your loan.

We’ll compare your current loan against our panel of 40+ lenders and show you exactly how much you could save. There’s no cost for this comparison.

Absolutely! We specialise in all types of leisure finance:

**Boat Loans:** Yachts, fishing boats, jet skis, and all watercraft
**Caravan Finance:** Caravans, RVs, motorhomes, and camper trailers
**Motorcycle Loans:** All bikes, Harley-Davidson, sport bikes, scooters

The same great service applies:
– Compare 40+ specialist lenders
– Bad credit considered
– No deposit options available
– Fast approval (24-48 hours)
– Competitive rates from 6.49% p.a.*

Whether you’re dreaming of weekends on the water, road trips around Australia, or open road adventures, we can help make it happen.