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
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

    • 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 72 reviews.
    Tanja Cornford
    Tanja Cornford
    2022-11-25
    I could not be happier than what I am right now with Joel and the team at Dreamcatcher finance. I have wanted to get into a SUV for sometime but I’ve been knocked back elsewhere, so thank you very much for everything you guys did. I appreciate it from the bottom of my heart.
    Anna Nowlan
    Anna Nowlan
    2022-11-23
    Davontae Petersen
    Davontae Petersen
    2022-11-17
    Honestly the best experience, I’ve been declined everywhere else yet I have a great credit rating , but Dreamcatcher have honestly helped me a lot with helping me finance a car. Easy process , lovely staff and very good with communication.
    Sara Cann
    Sara Cann
    2022-10-24
    I am very pleased with dreamcatcher finance from start to finish they were very helpful and well.and truly appreciated the ball with things I applied at the end of a week and was approved within hours of applying and had my new car within 4 days of also applying and being approved I am forever grateful and will bearing sure everyone I know knows about this finance company and how much of a pleasure they were to work with
    Joshua Alford
    Joshua Alford
    2022-10-13
    Joel and his team are super friendly and genuinely care about getting you the best deal you can! Would definitely be recommending to friends!
    Carolyn mcNicholas
    Carolyn mcNicholas
    2022-10-03
    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.
    Aaron “Rab” Braddock
    Aaron “Rab” Braddock
    2022-09-05
    Fast, friendly service.. Made the process easy with no confusion and I got to drive away in a car I love
    Katrina A. Sardis - Author
    Katrina A. Sardis - Author
    2022-09-01
    I sought various finance opportunities to no avail. I stumbled across ‘Dreamcatcher Finance’, and the impossible was made possible. I was impressed from the first contact. Mr. J Dieu was attentive through every process. He was on-call at all times, explaining the answers to each question with professionalism combined with personalisation. Mr. J Deiu is an absolute asset. I highly recommend this company as the only option to seeking efficient finance. I am appreciative, and will certainly be a reoccurring customer in the future.
    Jacki P
    Jacki P
    2022-08-25
    What a fantastic team to have procure the loan I wanted. Polite, friendly and professional. Regular updates on how things were going and all in such a short period of time. Would recommend this company highly.
    Josh Thomae
    Josh Thomae
    2022-08-19
    Fantastic service! Joel was absolutely great! And extremely helpful recommend to all. Cheers mate!

     

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