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Bad Credit Car Loans & Second Chance Finance

Do you suffer from impaired credit or a very bad credit rating?

Perhaps you have declared bankruptcy in the past or are presently still in Bankruptcy Part (9) or (10), maybe you missed a repayment on your credit card or you have simply been unlucky – don’t worry, it happens.

We understand that bad credit can damage your credit rating for up to seven years. Even if you have your finances under control, many lenders may still deny your car loan applications which makes it extremely difficult to secure the loan that you need. Finance Ezi is a finance company who understands that a bad credit rating is not the end of the world.

Regardless of your credit history, you can still qualify for a bad credit car loan or a second chance loan Finance from Finance Ezi. We have an experienced team of brokers who will work with you and your circumstances to tailor a car finance package specifically to suit your needs.

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What is a bad credit car loan or second chance finance?New car

Bad credit finance is a package that we offer for people who have a bad credit rating. Bad credit loans are tailored to assist people with a history of bad credit who find it difficult to secure a loan through the usual channels such as big banks, car dealerships & credit unions.

A bad credit finance package may incur a higher interest rate in some cases but it may be just what you need to purchase that new or used car.

Can I get a no credit check car loan?Credit check

A credit check is absolutely essential when it comes to tailoring a finance package. Any lender that offers no credit check finance is not going to be able to give you the best deal for your finance.

At Finance Ezi we will examine your past credit history in order to gain a clearer understanding of how we can tailor a car finance package to fit your financial needs.

What about car loans with guaranteed approval?

No lender can actually “guarantee” approval for a bad credit car loan, or for any finance package for that matter. In the finance industry it is paramount to understand the financial situation of our customers in order to customise the most appropriate loan or finance package.

Finance Ezi strives to find out as much information about you as we can, so it is fair to say that we have an extremely high loan approval rate.

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Don’t worry if you have a history of poor credit. We will ask the questions that other finance companies avoid to give you the best chance of securing a bad credit car loan.

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Or call us directly to speak to a second chance car finance specialist on 1300 003 003.


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Partnering with Finance Ezi is the direct bridge to your business’ overall financial success. With access to domestic and global funds, you can be confident that your business will receive the ultimate finance deals to optimise your customer relations and profits.

Why Choose Finance Ezi?

Fast Approval

Fast Approval

Kick start your financial freedom with fast approval rates. Speedy approvals and customised financial repayments are our specialty. Apply for a loan or a quick quote today.

Competitive Rates

Competitive Rates

We pride ourselves on our competitive rates on finance for cars, trucks, recreational vehicles, caravans, business loans, home loans, and more. At Finance EZI, we finance almost anything.

Trusted Lenders

Trusted Lenders

We’ve been helping people like you achieve their dreams for over 10 years. With an expansive network of business partners, we’re able to secure the best finance deals for your needs.

Talk To Real People

Talk to a Real Person

We know how complicated loan applications are, so we make it our business to support you throughout the entire process. Give us a call to speak to a member of our professional team today.

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