Bad Credit Car Loans
Bad Credit? Good Approval!
  • Unpaid & Paid Defaults
  • Existing Payday/Short-term Loans
  • Ex-bankrupts + Discharged Bankrupts
  • Current Part 9 Debt Agreements
  • 100% Centrelink Income
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

    • 2 to 7 Year Loan Terms
    • No Deposit
    • Same Day Pre-Approvals
    • No Early Termination Fee Options
    • All Vehicles 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 60 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

    2022 Winner Australian Enterprise Awards
    Most Trusted Finance Brokerage Firm 2022

    2021 Winner Corporate Vision Awards
    Best Business Loans Brokerage Firm 2021
    Based on 82 reviews.
    Wayne Martin
    Wayne Martin
    Working with Dreamcather to finance my new car was super easy. They looked after everything and we’re super prompt with their service. They did such a good job. Highly recommend.
    Hope Bernard
    Hope Bernard
    Very satisfied customer Working with Joel was fast and efficient Will definitely refer to him and his company and will use the service again in the future!
    Holly Kelly
    Holly Kelly
    Wonderful and easy! Very happy with these guys🙂
    Selina Wilson
    Selina Wilson
    I was assisted by Joel in securing a new vehicle. This employee is a massive asset to the company and was extremely polite, friendly and patient with me through the whole process. I am very pleased with the assistance I received and have already started spreading the word.
    Sammy Wilson
    Sammy Wilson
    This company are lovely and the people I got to deal with are amazing
    Tracy-lee Fallon
    Tracy-lee Fallon
    Such an amazing quick process , with guidance couldn’t recommend more ☺️
    Shaneen Cannon
    Shaneen Cannon
    Big THANK YOU to Joel @ Dreamcatcher Finance for helping me and my family find our perfect second car. Joel made the whole process from start to settlement very smooth and stress free. We absolutely love our car, keep up the great work Dreamcatcher Finance 🙂 🙂
    Samantha van-Ross
    Samantha van-Ross
    Made my first experience very easy and stress free!
    Luke Wells
    Luke Wells
    Very fast and friendly service!
    Sam L
    Sam L
    This was my first time purchasing a car and I was in need of finance. Joel was extremely helpful, professional and patient and I am very happy with the outcome.


    Ready To Get Started?
    Apply online now and one of our lending specialists will be in contact with you.