Stop Losing Car Loans & Personal Finance to Bad Credit
Client declined because of a default? Don't lose the deal. We fix their credit file — they come back to you for finance.
The Common Problem
Your client's car finance gets declined. A $500 Afterpay default is blocking a $45K deal. What do you do?
Save the Commission
Don't lose your finance commission because of a fixable credit issue. We repair their file so you close the deal.
Client Returns to You
We don't arrange finance or refer to competitors. Once repaired, your client comes straight back to you.
Fast Turnaround
Fast professional resolution. Urgent cases can be prioritised when compliance breaches are clear.
Finance Types We Support
Car Finance
New & used car loans, novated leases, chattel mortgages — we help get approvals for vehicle finance.
Personal Loans
Unsecured personal loans, debt consolidation, holiday loans — credit repair opens doors.
Motorcycle & Recreational
Bikes, boats, caravans, jet skis — recreational finance declined for bad credit? We can help.
Equipment Finance
Business equipment, tools, machinery — help your commercial clients get approved.
A Story You'll Recognise
The Problem
Client declined for car finance — a $500 Afterpay default is blocking a $45K deal
✅ The ACS Solution
You refer Marcus to us. We investigate the Afterpay default and find they never sent a compliant Section 6.1 notice before listing. We dispute it with the credit bureau and the default is removed. Marcus reapplies with you, gets approved, and drives away in his new HiLux.
Simple 3-Step Process
We handle everything. You just refer the client and wait for the good news.
Refer Your Client
Call us or send your client's details (with consent). Let us know if they're waiting on a specific car or have urgency. We'll contact them within 24 hours and assess their credit file for free.
⏱️ 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 the listing and negotiate removal.
⏱️ Fast resolutionClient Returns to You
Once the default is removed and their credit file is clear, we notify you immediately. Your client reapplies with you, gets approved, and drives away happy.
⏱️ You close the dealGot a Client Waiting on Finance Right Now?
Don't lose the deal — call us directly or register as a partner.
Credit Issues Blocking Car & Personal Loans
These are the common credit file problems we resolve for finance applicants.
BNPL Defaults
Afterpay, Zip, Humm, Klarna — Buy Now Pay Later defaults are increasingly common. Many are listed without proper notice.
Telco Defaults
Optus, Telstra, Vodafone phone contracts — often listed without compliant Section 6.1 notices being sent.
Credit Card Defaults
Banks must follow strict procedures. We identify compliance breaches and dispute invalid listings.
Utility Defaults
Energy and water bills from a previous address — often listed after the client moved without forwarding.
Excessive Enquiries
Multiple finance applications hurting the score? We help clean up enquiry history from "shopping around."
Old Car Loan Defaults
Previous car finance that went bad — we check if proper hardship and notice procedures were followed.
What Makes Us Different
⚖️ Legally-Led Approach
Our disputes are prepared by qualified legal professionals who understand the Privacy Act, CR Code, and NCCP Act inside out.
🎯 We're Specialists Only
We don't arrange finance, sell insurance, or compete with you. Credit repair is all we do — and we do it exceptionally well.
📊 Real-Time Updates
We keep you informed throughout the process. You'll know when we start, when there's progress, and when your client is ready.
🏛️ Fully Licensed
ASIC Australian Credit License holder. AFCA member. Refer with confidence knowing your clients are with a regulated provider.
What Partners Get Instead of Commissions
We don't pay referral fees — because we invest in something better. Every dollar goes into getting your client approved faster.
Priority Processing
Your clients jump the queue
Direct Partner Line
Call or WhatsApp us directly
24-Hour Response
We contact your client same day
Progress Updates
Know exactly where each case stands
Co-Branded Materials
Flyers with your logo for clients
Success Certificate
Proof of outcome for your records
Finance Broker FAQs
Partner With Us Today
Join the network of finance brokers who trust us to help their clients overcome credit barriers. Fill out the form and we'll be in touch within 24 hours.
Finance Broker Partner Enquiry
We'll get back to you within 24 hours.
Ready to Close More Finance Deals?
Stop losing car loans and personal finance to bad credit. Partner with us and turn declines into approvals.