Car Loan With Bad Credit

Enter the loan amount and loan term on our easy to use car finance calculator to compare the monthly car loan repayments from over 80+ lenders in Australia. Comparing various car loans to help you see how much you can save from each lender.

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Why Use Jade Car Loans?

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Driving cheap interest rates into every car loan

Cheap interest rates are at the very core of our business structure. It’s what defines us, differentiates us and gives you the competitive advantage. We optimise the freedom and the flexibility of our broker status to negotiate hard on interest rates with our strong bargaining power to deliver the cheapest rates for every car loan customer
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Jade Car Loans is your key to a cheaper car loan

Whether you’re a private car buyer or purchasing a business vehicle, using Jade Car Loans as your finance broker is a smart and sensible decision. We’re not constrained by a limited set of loan options like many banks and lenders. Our accreditation with a vast number of banks and lenders broadens our sources to hundreds of loan products. With more choices comes more opportunities to source you the cheapest car loan.
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Reliability, longevity, track record - the broker you can trust

When it comes to your finances, every detail matters. Especially the broker handling your car loan. Well-established and reputable, Jade Car Loans has an impressive track record of performance over our 20 years in the lending sector. A reputation that is your assurance that you’re dealing with a company that is reliable and continues to deliver cheap car loans, year after year, customer after repeat customer. We’re an Australian-owned committed to providing workable, affordable and effective financial solutions so other Australian businesses and individuals can turn their goals into achievements.
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Specialised Financial Support for Individuals and Businesses with Credit Challenges

Jade Car Loans can source great loan offers for both businesses and individuals with credit issues. As car finance brokers, we offer a comprehensive range of finance and loan options for the purchase of cars and are committed to delivering workable financial solutions for our clients.

For a start, we provide a very personalised service and individual approach to every loan customer. When you call us, you can be assured that you having a confidential conversation with one of our consultants. Your consultant will listen to your story so they fully understand where you’re coming from, how your bad credit situation evolved and your financial goals moving forward.

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Securing Motor Finance for Bad Credit Applicants

Even if your car loan application has been rejected by a bank or another lender, or even several lenders, we will source you an offer for a motor finance with bad credit. Our finance broking service is open to both businesses and individuals and for people with bad credit, it can be even more important to engage a broker to represent your application to lenders.

While your options as far as lenders may be limited, we are accredited with over 80+ lenders and financial institutions including many industry-only sources. With this greater pool of lenders, we have a greater possibility to source you a better bad credit car loan.

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Car Loan Repayment Calculator

Using this online calculator is based on the individual’s knowledge and undertaking that the estimated repayments presented does not imply a loans quote; it does not mean an application for any type of finance has been lodged; it is not an implication that any kind of finance application has been approved. The formatting of this device does not allow specific information concerning any kind of certain individual loan application or any type of lending institution fees and also charges. It is formatted to supply a basic outcome based upon general details as well as amounts solely.


After lodging a formal finance application, the quote as well as payment amounts that you may possibly be provided might differ from the loan quote worked out by this Calculator.


The device is not appropriate for estimations on loans that are developed on a rate of interest just basis. The format is totally established to compound the calculated interest rate for a chosen period based upon the values typed in by the individual.


The calculator is not intended as a device for financial decision-making. Individuals that call for financial advice ought to seek a professional economic advisor in regard to their circumstances. To apply for a loan and also acquire a quote based upon your personal requirements, the user should get in touch with Jade and have their specific application reviewed by among our Jade consultants.

Personal Bad Credit Options

For individuals with credit issues seeking a car loan, the options include:

Please refer to the webpage for each of these products for more details and read our blogs covering credit issues. Be mindful that if you do choose to DIY and continue to apply to lender after lender for a bad credit car loan, these multiple applications may further impact negatively on your credit score.

Don’t bother with DIY when Jade Car Loans welcomes your call and has the expert car finance consultants ready to assist you. Your call is confidential and there is no obligation to accept any offer we source for you. The entire loan application process is under your control.

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

Business Bad Credit Options

For businesses with credit issues seeking finance to purchase a motor vehicle for business use, the options include:

Lender Loan Product Interest Rates From Monthly Repayment
Jade Business Car Loan 6.70%Fixed Rate $589.80 MONTHLY
Jade Business Loans - Unsecured 14.95%Fixed Rate $712.91 MONTHLY
Jade Business Loans - Secured 6.85%Fixed Rate $591.92 MONTHLY
Jade Overdraft - Non Bank 14.95%Fixed Rate $712.91 MONTHLY
Jade Chattel Mortgage 6.85%Fixed Rate $591.92 MONTHLY
Jade Operating Leases 6.85%Fixed Rate $591.92 MONTHLY
Business Car Loan
6.70%Fixed Rate $589.80 MONTHLY
Business Loans - Unsecured
14.95%Fixed Rate $712.91 MONTHLY
Business Loans - Secured
6.85%Fixed Rate $591.92 MONTHLY
Overdraft - Non Bank
14.95%Fixed Rate $712.91 MONTHLY
Chattel Mortgage
6.85%Fixed Rate $591.92 MONTHLY
Operating Leases
6.85%Fixed Rate $591.92 MONTHLY

DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

We work harder to secure the best rates.

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