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.

    Based on 56 reviews.
    Sam Johnson
    2022-05-11
    Verified
    If you're going to read a single review about Dreamcatcher Finance, let it be this one. Joel has exceeded all expectation when I thought I had no options left. Being a new immigrant with limited work history and thus a low credit score had left me with very few options in terms of vehicle finance, I had been promised the earth from many lenders and brokers only to have my credit score tarnished further and still no vehicle. In a last ditch effort I googled one last time and came across Dreamcatcher Finance, gave Joel a call and from then on the experience has been incredible, very realistic time frames and frequent updates. Joel has been an absolute professional throughout the whole process, he never made any false promises and more than over delivered. If you're looking for a compassionate, understanding and dedicated broker, look no further. Thank you Joel.
    Ashleigh Ford
    2022-05-06
    Verified
    Absolutely amazing went above and beyond I would highly recommend 🙂
    Phillip Otton
    2022-05-05
    Verified
    Amazing to deal , will be using Dream catcher in the future , very fast on answering and getting finance .
    Nikko Gilbert
    2022-05-03
    Verified
    Joel is a miracle worker. He did what I thought was impossible. I don't have a great credit rating but Joel went above and beyond to get me the loan I wanted and it wasn't no reduced amount, it was the exact amount I wanted for my car Loan. If you aren't sure about loans or think you would have trouble getting that loan you want, I highly recommend paying the extra and getting Joel to do the work for you. If he can't do it then no one can in my honest opinion. Thank you from the heart Joel.
    Levi Anderson
    2022-04-26
    Verified
    Joel was absolutely amazing. Helped me throughout the whole process would recommend to anyone needing finance
    Jade Laing
    2022-04-19
    Verified
    Couldn't recommend more 👌 Fabulous & quick (even over the easter weekend). Extremely helpful & happy to answer all questions
    Hayley Paulson
    2022-04-06
    Verified
    Thankyou so much Joel, absolute legend. I’m so Glad I’ve gone through Dreamcatcher I don’t know what I would’ve done with out you. Thankyou thankyou heaps
    Heather McCabe
    2022-04-06
    Verified
    fast prompt and very friendly service. Nothing seemed to be a problem. thankyou
    ariunbold mashbat
    2022-04-04
    Verified
    I am very grateful for Joel and his team and their partners. He is friendly and helped me through this tough time. If you are looking for a finance, this is a place you should go. They will help you definitely. Again thanks for Joel.
    Wenz Waddell
    2022-03-23
    Verified
    Ready To Get Started?
    Apply online now and one of our lending specialists will be in contact with you.