Bad Credit Specialists
We specialise in bad credit – everyone deserves a second chance! Don't let past mistakes hold you back.
Australia's Bad Credit Car Loan Specialists
C1 Car Loans putting you back in the driver's seat.
Fast approvals, no upfront credit checks, and a team that understands your situation. Get on the road with confidence - even with bad credit.
Apply Now – It's Free!
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- Bad Credit Specialists
- 10 Min Application
- Fast Pre-Approval
24hrFast Response
$35kMax Loan
5 yrsLoan Terms
Why Choose Us
The C1 Difference
We're not your typical lender. Here's what makes C1 Car Loans stand out from the crowd.
100% Online Process
You just need a mobile phone and online banking; we'll do the rest. No paperwork, no branch visits.
Free To Apply
No out-of-pocket costs to get pre-approved! See what you qualify for without any financial commitment.
Fast Approvals
Get a decision quickly so you can start shopping for your new vehicle sooner rather than later.
Personal Service
Work with real people who understand your situation and are committed to finding you a solution.
No upfront credit checks
We don't access your credit file upfront, so there's no impact to your score. If a credit check is needed, we'll always confirm with you first.
Simple Process
How it works
Getting your car loan approved is simple. Follow these three easy steps and you'll be on the road in no time.
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Step 01
Apply Online
Click on 'Apply Now!' to submit an application in less than 10 minutes. No paperwork, no hassle.
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Step 02
Get Pre-Approved
Once we've assessed your borrowing power, we will provide you with a pre-approval to start your search.
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Step 03
Drive Away Happy
Once you've found your car, we will handle the rest, leaving you to drive away with peace of mind.
Start Your Application
Takes less than 10 minutes
Read real reviews
"Nathan and Stuart were simple amazing, they helped me a lot from the start of my loan and worked with me all the way. During the lockdown they were with me all the steps and helped me a lot without any pressure at all."
Marco
Verified Google Review
"Awesome customer service, very efficient and thorough, easy application process. I'm satisfied with the repayments on the loan it will be easy to manage and all taken care of by direct debit so no stress. Would highly recommend."
Taryn
Verified Google Review
"Sheldon and Nathan were patient and willing to support in anyway they could. They walked me through the process and answered any questions I had in satisfactory manner. Best rate I've ever received, thank you!"
Mathew
Verified Google Review
"Going through personal hardships, Sheldon and Nathan were so understanding and helpful. They worked with me, and never put me under any pressure what so ever. I could not have done this without their help."
David
Verified Google Review
"I stumbled on C1 Finance by accident but glad I did. From my fist consultation with Nathan and Sheldon, they went above and beyond to help me achieve my requirements but it didn't stop there. They were always there when I needed to contact them and their support was 100%."
Anthony
Verified Google Review
Get in Touch
Have questions about car finance? Our friendly team is here to help you find the right loan.
- 1300 732 520
- info@c1finance.com.au
- PO Box 7543, East Brisbane QLD 4169
- Mon - Fri: 8am - 4pm AEST
Get a car loan up to $35,000
If you are looking for a new or a used car, from a private seller or car dealership, C1 Car Loans could help*!
Apply Now*Subject to approval. Terms and conditions apply.
Top FAQs
Got questions? We've got answers. Here are the most common things people ask us.
Can I apply if I have bad credit?
Yes, you can! In fact, we happen to specialise in lending to clients with bad credit. This means we don't look at your credit score number as the be-all, end-all. Instead, we prefer to get a better picture of your finances by looking at other factors. As long as you have no finance defaults in the last 6 months or are currently bankrupt, we'll give you a fair go and take a look at your application.
Will you check my credit score?
Yes, but we will usually check with you before doing so. C1 Car Loans understands that most of its clients are trying to rebuild their credit rating and this is why we won't do a credit check until we are confident we can lend to you.
When will I own my car?
During the term of your loan, we will take security over your car. As soon as you have paid your loan out in full, the car is officially yours.
What types of loans do you offer?
C1 Car Loans provides secured asset loans mostly to purchase a vehicle. However, we can look at other assets (such as motorcycles, caravans, and boats) but keep in mind that these must have another asset to secure the loan against. We also provide secured loans for debt consolidation.
Can I pay off my loan early?
We do not charge any early termination fees at any point in your loan.