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Car Loans With Bad Credit

If you have credit issues and concerned you may not be able to get a car loan. Or you’ve already been rejected for a car loan by a bank or lender. It doesn’t mean the end of your options. Jade Finance has a proven record of securing great car loan offers for individuals and businesses with bad credit. We offer a vast range of car loan options and as experienced brokers, we work closely with our customers to achieve solutions that work for them.

When you contact Jade Finance you’ll quickly realise the difference in our approach – personalised service, understanding consultants that listen to your story and the positive attitude and enthusiasm we bring to your bad credit car loan application. Having your own personal finance broker negotiating your car loan is a major advantage to achieving your financial goals.

Personal Bad Credit Car Loans

For people buying a car for personal use, we offer two options:

  • Personal Secured Car Loan: fixed interest rate, fixed loan term, fixed monthly repayments. The lender uses the car as collateral against the loan. Refer to product description for more details.
  • Unsecured Personal Loan: interest rate may be fixed or variable, fixed monthly repayments, fixed loan term. No security put up against the loan, so the interest rate is usually higher than for a secured loan.

Your Jade consultant will discuss your situation and guide you to determining which is best for your car purchase.

Bad Credit Car Finance for Business

If you have credit issues, Jade Finance can still source you a suitable commercial car finance offer to suit your business structure.

The options include:

  • Car Leasing: an off-balance sheet option.
  • Chattel Mortgage: the most popular option as it suits most businesses which use a cash accounting method. 
  • Commercial Hire Purchas (CHP): very popular and suited to cash accounting businesses.
  • Rent to Own: structured to suit individual business strategies.

We recommend you consult with your accountant and refer to the details on each of these products on our website. All feature fixed interest rates, fixed repayments and varying treatments of GST, tax deductible and other accounting aspects.

Broker Benefits

Many people with credit issues feel embarrassed discussing their car loan application and will attempt to source a loan themselves to avoid embarrassing themselves. Often this involves having to apply to multiple lenders. Making multiple applications for the same car loan can have a negative impact on your credit score and further impede your efforts.

At Jade Finance we’re continually working with individuals and businesses with bad credit and we know we can achieve a much better deal for you than you can achieve for yourself. While lenders calculate their interest rate offers based on an individual’s credit profile and risk assessment, your Jade consultant will be using their professional expertise and industry knowledge to negotiate you the best rate and best car loan offer possible.

Don’t discard the whole idea of buying a new car just because you have bad credit. Discuss the situation with Jade Finance.

Speak with a Jade Finance Consultant to discuss a bad credit car loan to suit your individual circumstances. Call 1300 000 003

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Request a free finance quote by calling 1300 000 003 or directly online.

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