Bad Credit Car Loans

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

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    Apply online (5 min)
    It takes roughly 5 minutes to complete our fast track form
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    Documents Request (5 min)
    We’ll request some basic documents to verify your income and ID
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    Unconditional Approval (1-4 hrs)
    You’re approved and can choose the car you desire
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    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
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    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.

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    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 138 reviews
    Rachel Grice
    Rachel Grice
    21/05/2024
    Easy fast understanding and super helpful
    Jaye
    Jaye
    16/05/2024
    Can't say enough about Joel and his team. Communication during the process was always positive and response time was almost instant every time. Would absolutely recommend this company to anyone looking for a car .
    Jasmine Hansen
    Jasmine Hansen
    09/05/2024
    Highly recommended dealing with this company 5 stars isn’t enough to give them. Joel helped me all the way he was very fast at responding and getting me the paper work I applied Wednesdays and I got approved by Thursdays. I can not recommend them enough Joel is amazing at what he does thanks again Joel 🤩look forward to dealing with you again in the future
    T Clarke
    T Clarke
    06/05/2024
    Joel & Krystina both amazing people and excellent to deal with keep me informed every step of the process. THANK YOU both for make my first purchase easy AAAA++++
    Holly Watts
    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
    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
    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.

     

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