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 122 reviews
    Alena Novo
    Alena Novo
    19/12/2023
    Joel & Krystina were phenomenal in helping me secure a vehicle. They were very quick and efficient. Communication with them was a delight as you don't get very many people that get back to you straight away. It took about a week from my initial enquiry to settlement being made. The whole process was an absolute breeze. Could not recommend Dreamcatcher Finance highly enough. Thank you, Joel & Krystina.
    Tanya Yates
    Tanya Yates
    15/12/2023
    My experience with Dreamcatcher Finance was amazing and very personalised, which has become rare!! Joel was so helpful, friendly and professional. My expectations were far exceeded. I highly recommend Dreamcatcher, thank you so much Joel..
    Montana Clark
    Montana Clark
    04/12/2023
    Highly recommend dreamcatcher finance, after being declined after decline they helped me into being accepted! And Joel has been a pleasure to work with through out the whole experience. so I thank Joel and the team!
    Chayce Fox
    Chayce Fox
    01/12/2023
    Joel was absolutely fantastic! I could not recommend Joel enough to anyone requiring a loan that doesn’t really understand the process and needs someone to trust! No matter the time of day, Joel would reply instantly and communicated flawlessly throughout the whole process! I’d give him more stars if I could!
    Danielle Larsen
    Danielle Larsen
    19/11/2023
    I am so happy and so grateful that I chose Dreamcatcher Finance to help me with my car loan. I'm a single mum with two casual jobs, so after being declined by two other reputed finance brokers I was feeling defeated. Joel at DF was so friendly and helpful - for someone like me who has bad phone anxiety and has never applied for a loan or bought a car, he made the whole process so easy for me and I was very comfortable working with him. The application was so simple and easy after just one phone call with Joel and I had an approval within 24 hours, compared to the other two companies where it took DAYS just to get through the application process and another few days for a response. The communication was fantastic, Joel was always very quick to respond through email, I never had to wait more than 30 minutes - even on the weekend! He even helped by suggesting cars when I told him what I was looking for. Once I found my car he went to work and within two days the whole thing was settled. I was almost sad it was over! Joel was just so wonderful to work with - friendly, knowledgeable and what I loved most is that he wasn't pushy like a lot of other finance brokers were. I just can't say enough about how great Joel and the DF team are and I HIGHLY recommend them!
    Beth Prestwood
    Beth Prestwood
    14/11/2023
    Could not recommend Dream catcher Finance enough! As a young adult getting finance for my first car, it was made easy, efficient and stress free, and I was driving away with my new car in less than a week!
    Ally Brown
    Ally Brown
    09/11/2023
    I would highly recommend Joel for your next finance. Very Patient, super quick an easy! Great service 😁
    Jody Yates
    Jody Yates
    30/10/2023
    Cannot recommend Joel enough. Thoughtful, kind and very patient. Spoke to me not at me and was very understanding. And secured me a great loan for a much needed car.
    Jessica Menzies
    Jessica Menzies
    03/10/2023
    Process was quick and easy, Krystina and Joel were both fantastic, they kept in touch and let me know what was happening every step of the way.

     

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