Yes, you can get a car loan with bad credit in Australia, but the rate will be spicier than a servo pie at 2am. Start by going for a secured loan (the car as collateral), bring a solid deposit, and have proof of stable income—lenders love “boringly reliable”.
Shop around using the comparison rate, not the flashy headline, and watch fees like establishment, broker, and early payout—they add up faster than tolls on the M2. Avoid payday lenders; specialist non-bank lenders and credit unions are usually kinder. A guarantor can help, and a few months of tidy repayments on existing debts can nudge your score north. Pre-approval lets you bargain on the car price, then hunt listings on Tradingpost with confidence.
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