Bad Credit? Good Approval!

Bad Credit Car Loans
Unpaid & Paid Defaults
Ex-bankrupts + Discharged Bankrupts
Current Part 9 Debt Agreements
100% Centrelink Income

APPLY NOW

Your Credit Score Is NOT Affected Upon Applying

How It Works

Apply online (5 min)

It takes roughly 5 minutes to complete our fast track form

Documents Request (5 min)

We’ll request some basic documents to verify your income and ID

Unconditional Approval (1-4 hrs)

You’re approved and can choose the car you desire

Drive Away! (1-24 hrs)

After signing your loan settles and you can drive away!

Real Solutions For Real People

We pride ourselves with making difficult approvals easy. With our experience with bad credit, we can understand your story and your point of view. As a result, we ensure your best chances for finance approval, which is partnered with our ability to think outside the box. Our specialists secure approvals on a regular basis, where other brokers and lenders have failed. With this in mind, we offer higher approval rates for bad credit applicants.

» We are dedicated to securing your personalised loan approval

No Deposit Finance
Same Day Pre-Approvals
No Early Termination Fee Options
All Vehicles Ages Accepted
Business Use Available

Your Story Is Our Solution

» We Believe In Second Chances

Your past is not your future. As life goes on, circumstances can change for the better. We focus on your positives instead of your negatives.

» Flexible Solutions Tailored For You

With over 70 lenders available, we pride ourselves with not only having the most flexible solutions but also the experts who can make it happen.
Our team have helped out those previously refused or declined by their bank and other brokers.

» Long-term Solutions For You

To maintain your credit score, engaging us for pre-approval doesn’t impact your credit score. In fact, we can help you with tips and tricks to improve your credit. As a result, our advice can increase your chances of finance approval for the future.

Awards And Recognition

Wealth & Finance International

Fund Awards 2023

Best Asset Finance Brokerage Australia

WINNER

Acquisition International

Worldwide Finance Awards 2023

Most Client-Focused Finance
Brokerage Australia

RUNNER UP

Best Vehicle Finance
Broker Australia

Greenlight Auto Finance

WINNER

Finance Broker 2022

Acquisition International

Worldwide Finance Awards 2022

Most Client-Focused Finance
Brokerage Australia

WINNER

APAC Insider

Australian Enterprise Awards 2022

Most Trusted Finance Brokerage Firm

WINNER

Best Business Loans Brokerage Firm Victoria

Corporate Vision

WINNER

Small Business Awards 2021

     Excellent  
     Based on 122 reviews 
    
 
 
   
 
 
        
   Holly Watts 
 23/04/2024
 
 
  Joel from dream catcher finance was absolutely awesome. Always replying and keeping us in the loop. Such a quick process from start to finish.

Thanks a million joel
  
 
       
   Carolyn mcNicholas 
 19/04/2024
 
 
  This is my 2nd time with Dreamcatcher.
Again I highly recommend and trust Joel with getting me the best loan that he can. I was pressured when buying my recent car to get dealership finance but I refused and got a better deal with Joel. I’m very happy to go to Joel at dreamcatcher for all of my finance requirements.

My experience with Joel from Dreamcatcher was very positive and stress free. Joel is very knowledgeable. He navigated my loan professionally and effectively. He helped me get my dream car. I would recommend Dreamcatcher as your first call for car financing.
  
 
       
   Eryne Willie 
 12/04/2024
 
 
  One of the workers named Joel helped me a lot throughout my contract. He was very patient and kept me in the loop. Above all, very good customer service.
  
 
       
   Audrey V 
 03/04/2024
 
 
  From beginning to end communication was exceptional and process was smooth. If you need a second chance, Joel will make it happen. Keep up the great work !
  
 
       
   Dj Mackenzie 
 29/03/2024
 
 
  Couldn’t recommend Joel and the dreamcatcher team enough. If I could give more stars I would! Joel went more than above and beyond to be the only one/ company to give me the chance to achieve my much needed new car when no one else would. I am so appreciative of him and the team.
  
 
       
   Michael Goodman 
 01/03/2024
 
 
  Thank you Joel and Krystina for working tirelessly behind the scenes, without you I don't know where I would find the time to make this possible. For those looking for a Broker, look no further Dreamcatcher Finance will make your Dreams reality. Thanks again Joel been a pleasure working with you.
  
 
       
   Casey Blennerhassett 
 05/02/2024
 
 
  I personally dealt with Joel and found him to so helpful and easy to work with.
No one likes sharing credit history or providing income information but he made the process one of ease.
I would recommend them for anyone and also appreciate the hard work they did to get me (NOT so perfect credit history) approved
Thanks
  
 
       
   Chloe Meldrum 
 02/02/2024
 
 
  Honestly recommend dreamcatcher to anyone and everyone so quick and easy and got approval within 24 hours and a car within 48 hours! Couldn't be more happier thank you again Joel!!!
  
 
       
   Zoe Kimberley 
 24/01/2024
 
 
  Joel was fantastic to deal with and he made my dreams come true!!

Ready To Get Started?

Apply online now and one of our lending specialists will be in contact with you.

LET’S GET STARTED