Got a low credit score and still want car finance? It’s not a fairy tale, but expect higher interest rates and lenders who ask more questions than your aunt at Christmas.
Shop around with specialist lenders, compare the real cost (APR, fees, and total repayable), and consider a bigger deposit or shorter term to keep interest in check.
Secured loans are easier to get than unsecured, but miss payments and the car can go bye-bye; get a realistic budget and seek pre-approval before you start tyre-kicking.
Clean up your credit file, avoid add-ons and sneaky balloons, and don’t let anyone rush you—responsible lending rules in Australia still apply to everyone.
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