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
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

    2022 Winner Acquisition International
    Worldwide Finance Awards 2022


    2022 Winner APAC Insider
    Australian Enterprise Awards 2022


    2021 Winner Corporate Vision Awards
    Small Business Awards 2021


    Based on 107 reviews.
    Margaux Montemayor
    Margaux Montemayor
    Joel and the team are very friendly and prossional. My experience was phenomenal.
    Steve Wells
    Steve Wells
    Staff were very helpful and fast to assist. Everything was smooth and easy. They were understanding of my financial situation. It all got sorted and money was in my account in less than a day. Would definitely reccomend.
    Maddy Benning
    Maddy Benning
    Great and fast service! Highly recommend 😊
    Karlene Guy
    Karlene Guy
    Absolutely amazing service from Joel, Even on weekend to get my loan happening and sorted . I appreciate everything he has done and gave me a chance to get my first car when nobody else would .
    Stacee Natt
    Stacee Natt
    Thanks Joel for helping me with my loan from start to finish. Definitely recommend using Joel
    I highly recommend dream catcher finance too anyone looking too get car finance. Joel and his team have been absolutely amazing from beginning too end of getting my finance sorted. Joel went above and beyond too make sure everything was suited too what I needed and wanted. I am truly thankful for dreamcatcher finance as they made it possible for me too get a new car for my boys!!
    Crystal Upson
    Crystal Upson
    I would highly recommend dreamcatcher finance to anyone and thanks to Joel for helping me get my new car. A big fat thank you to dreamcatcher finance 😁😁😁😁😁😁😁
    Emily hobby
    Emily hobby
    Quick response and everything was done so quick and easy, I highly recommend!
    abbie fogg
    abbie fogg
    My first ever finace for a car and it was so quick and easy. I would like to thank Joel for all the help and making it so easy for me. 🙂
    Santana Poutu
    Santana Poutu
    Couldn't recommend Joel and the team at dreamcatcher finance in a higher regard. Absolutely amazing! Helpful, friendly, easy going and above all very professional. Not even a week from (including the weekend) enquiry, did it take, for me to be driving away in my new car. The team was very efficient, had warranty and insurance added. Sorted at the best rate with the best insurance company. Couldn't be happier with the service they provided. Happy and thankful is an understatement. Keep up the great work!


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