2nd Chance Car Loans

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Bank, Broker or Dealer declined your car loan application?

Contact the team at iCREDIT for 2nd chance car finance options!


It’s your choice!

Our dedicated finance consultants help find and compare loans suitable to your requirements and affordability. Whether your updating the family car or updating your business vehicle, our experience can help you decide on a 2nd chance car loan suitable to your needs.

Same Day Approvals

  • In most circumstances we can obtain same day approvals for your second chance car loan, helping you make a decision on your next vehicle purchase.

Tailored Loans

  • Secured second chance car loans with terms from 1 – 7 years
  • Fixed rate option
  • Flexibility to borrow for additional costs such as on road costs or car insurance.
  • Ability to make additional repayments to help pay off your car loan sooner.

Flexible repayment options

  • Choose from weekly, fortnightly or monthly repayment options to suit your budget and needs.
  • Make additional repayments when required.
  • Flexibility to finance from older model vehicles through to brand new cars. 

We’ve helped people with:

  • Credit Defaults
  • New Arrivals
  • Short Term Employment
  • Pension
  • Discharged Bankruptcy
  • Self Employed with no or little business financial information
  • People who fail ‘normal’ bank lending criteria
  • Even if you are in the research phase and want to compare your current car loan approval, call us on
    1300 350 118 for an obligation free quote.


If you’re still searching for that ideal car, gaining a pre-purchase 2nd chance car loan can help you save time should you find a bargain.

  • A pre-purchase 2nd chance car loan can give you the flexibility of taking your time to shop for the perfect car.
  • Gives you more power in negotiating a better price with the seller.
  • Allows you to make an on the spot decision to purchase without losing the car to another buyer.

To obtain a Pre-purchase 2nd chance car loan, you will need to go through the loan application process which will record an enquiry on your credit file. APPLY NOW.


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To help with your car loan application, see below items that are generally required for 2nd chance car loans.


For an obligation free quote or to discuss your car loan needs

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 Personal Use 2nd Chance Car Loans

  • Payslips
  • 3 months Bank Statements 
  • Centrelink Income Statement
  • Driver’s Licence or
  • Photo ID

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Business Use 2nd Chance Car Loans

  • Tax Return or
  • BAS or
  • Accountants Letter or
  • Self declaration of income
  • Driver’s Licence or
  • Photo ID

Apply for your 2nd Chance Car Loan

iCREDIT 2nd chance car loans and vehicle finance is provided Australia wide including QLD, Gold Coast, Brisbane, Sunshine Coast, Cairns, NSW, Sydney, Coffs Harbour, VIC, Melbourne, Bendigo, SA, Adelaide, WA, Perth, Kalgoorlie, NT, Darwin, Alice Springs, TAS, Hobart, Launceston, ACT, Canberra