Stop Losing Sales When Buyer Finance Gets Declined
Customer wants the car. Finance gets knocked back. You're about to lose the sale. We fix their credit — they come back and buy.
The Common Problem
Customer loves the car. Finance declined. A $300 telco default from 3 years ago is killing a $42K sale.
Save the Sale
Don't let a customer walk because of a fixable credit issue. We repair their file so they can come back and buy.
Customer Returns to You
We don't sell cars or arrange finance. We fix credit and send customers straight back to your dealership.
Fast Turnaround
Fast professional resolution. Keep the customer engaged — hold that car if you can.
Customers We Help Get Finance-Ready
Tradies & Workers
Need a ute or van for work. Solid income but old defaults are blocking finance approval.
Young Families
Growing family needs a bigger car. Past credit mistakes are holding them back.
BNPL Generation
Afterpay, Zip, Humm defaults from COVID. They didn't know it would affect their credit.
Fresh Start Buyers
Past financial issues resolved, ready to move on. Just need the credit file cleaned up.
A Story You'll Recognise
The Problem
Customer finance declined — a $300 telco default is blocking a $42K sale
✅ The ACS Solution
You refer Steve to us. We investigate and find Optus never sent the correct default notice. We dispute it, and the default is removed. Steve's back at your dealership, finance approved, and drives out in his new HiLux. You close a $42K sale you nearly lost.
Simple 3-Step Process
We handle everything. You just refer the customer and stay in touch.
Refer the Customer
Call us or send the customer's details (with consent). Let us know what car they're after and any urgency. We'll contact them within 24 hours and provide a free credit assessment.
⏱️ Same day responseWe Fix Their Credit
Our legal team investigates the default for compliance breaches. BNPL companies, telcos, and utilities often fail to follow proper procedures. We dispute invalid listings and work to get them removed.
⏱️ Fast resolutionCustomer Buys the Car
Once the default is removed, we notify you immediately. The customer reapplies for finance with a clean credit file. Sale closed. Customer drives away happy.
⏱️ Sale completedGot a Customer Who Just Got Declined?
Don't let them walk — call us now or register as a partner.
Credit Issues Blocking Car Finance
These are the common credit file problems that stop customers getting approved.
BNPL Defaults
Afterpay, Zip, Humm, Klarna — Buy Now Pay Later defaults are the #1 blocker we see. Often listed without proper notice.
Telco Defaults
Optus, Telstra, Vodafone — old phone contracts that went to collections. Extremely common.
Utility Defaults
Energy bills from a previous address. Customer moved, final bill went unpaid, now it's a default.
Old Car Loan Defaults
Previous car finance that went bad. We check if proper hardship procedures were followed.
Credit Card Defaults
Old credit cards that weren't closed properly. Banks must follow strict procedures.
Too Many Enquiries
Customer shopped around too much. Multiple credit hits hurting their score.
What Makes Us Different
⚖️ Legally-Led Approach
Our disputes are prepared by qualified legal professionals who know the Privacy Act and Credit Reporting Code inside out.
🎯 We Don't Sell Cars
We're not competitors. We fix credit and send customers back to you. That's our only business — and we're very good at it.
📊 Keep You Updated
We'll let you know progress so you can stay in touch with the customer. Keep them warm — they'll come back to you.
🏛️ Fully Licensed
ASIC Australian Credit License holder (ACL 532003). AFCA member (83546). Refer with confidence.
What Partners Get Instead of Commissions
We don't pay referral fees — because we invest in something better. The real value is closing the car sale you were about to lose.
Priority Processing
Your customers jump the queue
Direct Partner Line
Call or WhatsApp us directly
24-Hour Response
We contact customers same day
Progress Updates
Know where each case stands
Co-Branded Flyers
Materials for your showroom
Success Certificate
Proof when credit is fixed
Car Dealership FAQs
Partner With Us Today
Join the network of dealerships who trust us to help their customers overcome credit barriers. Fill out the form and we'll be in touch within 24 hours.
Car Dealership Partner Enquiry
We'll get back to you within 24 hours.
Ready to Close More Car Sales?
Stop losing customers to finance declines. Partner with us and turn "no" into "yes."