Bad credit car loans
Azora may be able to assist you with a loan to purchase a car even if you have unique circumstances, like a bad credit history.
Declined by another lender
Defaults and judgements
Low credit score
Been bankrupt
Simple, fast and 100% online
Don't let bad credit hold you back from owning a car
Do you have bad credit but still want to own a car?
Our bad credit car loan options are designed to help you get behind the wheel. We offer competitive and personalised interest rates, flexible repayment terms, and quick approval times, so you can get the financing you need without the hassle. So whether you have excellent or poor credit, we offer car loans to suit your needs.
We believe in flexibility, and ours is unmatched
Up to $100,000
No deposit
New or Used
Dealer or Private
Fixed rate
3-5 year term
Get your car loan in three simple steps:
Apply online
We require your personal details, which include your loan amount, income, and expenditure. We also need certain documents, such as your identification and bank statements.
Get your loan terms
If your loan is approved we will provide you with detailed loan terms, which will include your loan amount, loan term, interest rate, any fees and repayment amount.
Purchase your car
If you agree to the loan terms and sign the digital loan contract, you can then purchase your car from a dealer or privately.
Our minimum eligibility is super flexible too^
Be at least 18 years of age
Citizen or Permanent Residency status
Be full-time, part-time or casually employed
Minimum net annual income of $39k
Car loan repayment calculator
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Note: The results of this calculator are indicative. It is for illustrative purposes only and is based on the accuracy of the information you have provided. No result from the use of this calculator should be considered a loan application or an offer of finance. The calculator does not take into account your personal circumstances. You should not rely on this calculator for the purpose of making a decision whether to apply for finance.
Terms & Conditions:
Approved applicants only. Terms, conditions, fees and charges apply. All applications are subject to lending and approval criteria. ^Other credit and eligibility criteria and terms and conditions may apply
Frequently asked questions
Who is Azora?
Azora Personal Loans Pty Limited ACN 147 803 576 is a responsible lender and has an Australian Credit License no.403724. We offer personalised fixed rate secured car loans. Our application process is simple, fast and 100% online.
What is a bad credit car loan?
A bad credit car loan is a loan to purchase a car, provided to a borrower with a bad credit history, a low credit score, unpaid defaults and judgements, previously declined by another lender, party to a debt agreement or a current or discharged bankrupt. Azora specialises in bad credit car loans. All applications are subject to lending and approval criteria.
What is the difference between a secured and unsecured car loan?
A secured car loan allows the lender to take security against your car. An unsecured loan allows you to borrow money without offering your car as security. The interest rate on secured car loan is generally lower than the interest rate on an unsecured car loan.
How does the process work?
1. Apply online. We require your personal details, which include your loan amount, income, and expenditure. We also need certain documents, such as your identification and bank statements.
2. Receive your loan terms. If your loan is approved we will provide you with detailed loan terms, which will include your loan amount, loan term, interest rate, any fees and repayment amount.
3. Purchase your car. If you agree to the loan terms and sign the digital contract, you can then purchase your car from a dealer or privately.
As part of our standard practice, we will access your credit report to help us understand your credit history.
What will my interest rate and loan term be?
Your interest rate will be a personalised rate based on your overall credit profile and financial situation. Your interest rate will be fixed for the life of your loan. You repay the loan with interest over a fixed term, between 3 to 5 years. With a fixed interest rate, your repayments won't change over the loan term.
Can I apply if I have bad credit?
Azora specialises in assisting borrowers with unique financial circumstances, such as a bad credit history, a low credit score, unpaid defaults and judgements, previously declined by another lender, party to a debt agreement or a current or discharged bankrupt. All applications are subject to lending and approval criteria.
Can I buy the car from a dealer or a private seller?
Yes. You can purchase your car from either a dealer or privately.
Can I buy a new or used car?
Yes. You can purchase either a new or used car.
Do I need to pay a deposit?
No. Azora does not require a deposit.
What are your fees and charges?
We may charge an application fee, risk fee, settlement fee and a monthly account service fee. There are no fees for our tier-one borrowers with excellent credit scores. All fees will be disclosed in your loan contract.
Can I make extra repayments, increase, or pay off my car loan early?
Yes – you can make additional repayments, increase your repayments and pay out your loan early. However, an early repayment fee may apply. All fees will be disclosed in your loan contract.
What happens if my circumstances change?
If your circumstances change and you cannot repay your loan, please contact us. We are here to assist you.
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Azora acknowledges Aboriginal and Torres Strait Islander peoples as the first people and Traditional Custodians of the land and waterways throughout Australia. We recognise their continued connection to culture, community and Country, and pay our respects to Elders past and present.
Azora Finance Group Pty Ltd ACN 118 229 771 All Rights Reserved 2026 LLM Info