Credit Repair for Car Finance Australia
Bad credit blocking your car loan? We fix credit files to get Australians approved for car finance — often saving $10,000-$20,000+ in predatory interest charges.
What Our Clients Say
Real reviews from real Australians who fixed their credit with us
Your Fresh Start Begins With Expert Help
Elisa Rothschild, Principal Lawyer & Director of Australian Credit Solutions, explains how we help Australians remove defaults and rebuild their credit. With 12+ years experience and ASIC licensing (ACL 532003), you're in expert hands.
You Need a Car. The Bank Needs to See a Better Credit File.
Here's the situation:
Your current car is on its last legs. The transmission's slipping. The engine light's been on for six months. You've already spent $3,000 in repairs this year alone, and your mechanic just told you it's not worth fixing anymore.
You need a reliable car. For work. For the kids. For life.
You've found the perfect vehicle — nothing fancy, just a decent 2019 Mazda3 or Toyota Corolla that'll get you from A to B without drama. The dealer's offering finance. You've got steady income. You can afford the repayments easily.
You fill out the application, confident it'll be approved.
"Unfortunately, your application has been declined due to adverse credit information."
And just like that, you're stuck. No car. No finance. No options — except dodgy "bad credit" car yards charging 18% interest on a vehicle that's worth half what they're asking.
Here's what most Australians don't realize: the credit issues blocking your car finance can usually be fixed — legally, permanently, and often within 60-90 days.
The Bad Credit Car Finance Trap
You know the places. The yards with the banners screaming:
They'll approve you, sure. But here's what it costs:
Let's Run the Numbers:
Bad Credit Car Finance
- Vehicle price: $20,000 (market value: $14,000)
- Interest rate: 18.9%
- Loan term: 5 years
- Monthly payment: $519
- Total paid: $31,140
- Total interest: $11,140
Standard Finance (After Credit Repair)
- Vehicle price: $14,000 (fair market value)
- Interest rate: 8.5%
- Loan term: 5 years
- Monthly payment: $286
- Total paid: $17,160
- Total interest: $3,160
That's more than enough to cover credit repair costs AND have thousands left over.
Our 3-Phase Car Finance Credit Repair Process
Credit repair for car finance is faster and simpler than home loan credit repair because car lenders are more flexible and the credit score threshold is lower.
Rapid Credit File Assessment (Free, 60 Seconds)
You tell us what kind of car you need, your budget, and how quickly you need it. We pull your credit reports from all three bureaus and identify:
- Which credit file items are blocking car finance approval
- Which items can be removed quickly (priority targets)
- What your credit score needs to be for approval (usually 550-600+)
- Whether you can get approved now or need 30-60 days of repair first
Fast-Track Default & Error Removal
We focus on quick wins — the items that can be removed fastest and have the biggest impact:
- Telco/utility defaults (Telstra, Optus, AGL) — Often the easiest to remove
- Paid defaults still showing as unpaid — Simple reporting errors
- Small defaults under $1,000 — Often listed incorrectly
- Incorrect repayment history codes — Late payments that weren't actually late
- Unauthorized credit enquiries — Multiple broker submissions
We lodge aggressive, legally-backed disputes simultaneously across all three bureaus.
Score Boost & Finance Application Timing
While disputes are processing, we advise on immediate actions to boost your score. Once removals are confirmed, we advise on:
- Which car finance lenders to approach (some are more forgiving)
- When to apply (timing matters — too early and they see old data)
- Which dealers have best finance options
Typical timeline: 30-90 days (often faster than home loan repair).
Need a car urgently? We prioritize fast-track cases to get you approved ASAP.
Mitch's Car Finance Approval
The Problem
Mitch, a 32-year-old plumber from western Sydney, was in a bind. His 2012 Ford Ranger ute had just died — blown head gasket, not worth the $6,000 repair.
As a tradie, Mitch needed a reliable ute for work. No vehicle = no income.
He found a clean 2018 Toyota HiLux at a dealer for $38,000. His income was solid ($92k/year), his job was stable (5 years with the same company), and he could easily afford $650/month repayments.
He applied for finance through the dealer (NAB car loan). Declined within 24 hours.
He tried CBA. Declined. Latitude. Declined.
A "bad credit" car yard offered him a 2015 HiLux with 180,000km for $42,000 at 19.5% interest — monthly payment of $1,089 (nearly double what he should pay).
The Solution
We identified two defaults blocking his approval:
- $890 Optus default (2022) — No written notice sent to his current address before listing (Privacy Act breach)
- $1,650 Afterpay default (2021) — Listed while Mitch was actively disputing the charges
We lodged disputes with all three bureaus with evidence including emails proving the active dispute and proof Optus sent notice to the wrong address.
The Outcome
Mitch went back to the original dealer. Applied through Toyota Finance — approved in 4 days at 9.2% interest.
Monthly payment: $686 (vs $1,089 at the bad credit yard)
Total savings over 5 years: $24,180
Need a ute or car for work like Mitch?
What Credit Score Do You Need for Car Finance in Australia?
The good news: car finance requirements are much lower than home loan requirements.
Major Bank Car Loans
NAB, CBA, Westpac, ANZ
Will reject: Unpaid defaults, recent judgments, score under 550
Captive Finance
Toyota Finance, Mazda Finance, etc.
More forgiving on older defaults if paid
Credit Unions / Online Lenders
Latitude, Money3, etc.
Will consider applications with minor credit issues
Bad Credit Lenders
"Guaranteed approval" car yards
Approve almost anyone, but at massive cost
Our Goal: Get your score to 580-650+ so you qualify for standard car finance at 8-12% interest instead of predatory loans at 18%+.
Most Common Credit Issues Blocking Car Finance
1. Phone/Utility Defaults ($200-$1,500)
Why They Block: Even small Telstra, Optus, or AGL defaults trigger automatic rejection from standard lenders.
How We Remove: Challenge missing notices, dispute incorrect amounts, cite Privacy Act violations.
Success Rate: Very High (80%+)
2. Buy Now Pay Later Defaults
Why They Block: Afterpay, Zip, Klarna defaults signal poor financial management to lenders.
How We Remove: Dispute if listed during active dispute period, challenge if proper notice wasn't sent.
Success Rate: High (70%+)
3. Payday Loan Defaults
Why They Block: Payday loan history is a major red flag (signals financial desperation).
How We Remove: Payday lenders frequently violate credit reporting rules and often can't produce proper documentation.
Success Rate: High
4. Multiple Credit Enquiries
Why They Block: Too many applications = "desperation signal." Each enquiry drops score by 5-10 points.
How We Remove: Dispute unauthorized enquiries, remove duplicate enquiries from broker submissions.
Success Rate: Very High
How Long Does Credit Repair Take for Car Finance?
Honest Answer: Faster than home loan credit repair.
Quick Case
1-2 small defaults, score 500-550
- Credit repair: 30-45 days
- Score recovery: 1-2 weeks
- Ready to apply: 45-60 days
Moderate Case
2-4 defaults, score 450-500
- Credit repair: 45-75 days
- Score recovery: 2-4 weeks
- Ready to apply: 60-90 days
Complex Case
5+ defaults/judgments, score under 450
- Credit repair: 75-120 days
- Score recovery: 4-6 weeks
- Ready to apply: 90-150 days
Pro Tip: While credit repair is in progress, save up a bigger deposit. The more you put down, the easier approval becomes.
Get Approved for Car Finance — Free Assessment in 60 Seconds
Find out if credit repair can get you approved for car finance. No obligations. No pressure.
Common Questions
Can credit repair help me get approved for a car loan?
How much does credit repair cost vs bad credit car finance?
What credit score do I need for car finance in Australia?
Can I get car finance with a default on my file?
How long after credit repair can I apply for car finance?
Will car dealers know I used credit repair?
Can you remove defaults to help me get car finance?
What if I've been rejected multiple times already?
Your Reliable Car Is Closer Than You Think
Right now, bad credit is forcing you into no car, predatory finance at 18%+ interest, or dodgy old cars that break down constantly. But it doesn't have to be this way.
We've helped thousands of tradies, families, and working Australians get approved for car finance.
Related Credit Repair Services
Default Removal
Remove defaults from your credit file legally
Learn More →Court Judgement Removal
Challenge and remove court judgements
Learn More →Paid Default Removal
Remove paid defaults that still appear
Learn More →Multiple Defaults
Clean up multiple defaults at once
Learn More →Credit Enquiry Removal
Remove excessive credit enquiries
Learn More →Repayment History Fix
Fix negative repayment history codes
Learn More →