Get a Quick Quote

Just because your bank has said ‘No’ doesn’t mean you can’t gain a decent interest rate car loan. Whether you’ve been looking at purchasing that new or used car, negotiating on a private sale or bidding on an auction, accessing our panel of Australia’s leading banks and car finance companies, we can help you find the very best outcome for your car finance needs.

Your dedicated finance consultants can help find and compare 2nd chance car loans to suit your budget and requirements. We’ve helped customers with credit defaults, discharged bankruptcy or part ix, short term employment, self employed with no financials or your bank has simply said ‘No’. Whatever your reasons our lending experience can help give you the confidence to choose a loan suitable to your needs.

Types of Car Loans Available

Secured Loan

  • Security against the car
  • Terms 1 – 7 Years
  • New and Used Cars
  • Lower Interest Rates
  • Popular Option for Motor Vehicles

Unsecured Loan

  • No Security Held
  • Flexible Loan Options
  • Terms 1 – 7 Years
  • Popular if using funds for multiple purchases

Business Loan

  • Tax Offset Options
  • Loan Terms 1 – 7 Years
  • Lower Interest Rates
  • Lo Doc
  • Non Financial Options

Novated Lease

  • Salary Packaging
  • Effective Tax Reduction
  • Terms 1 – 5 Years
  • Options to cover insurance & maintenance

We Offer Comprehensive Financing Solutions

We’re 100% online, so no need to book an appointment.

We’ll find out exactly what your second chance car finance requirements and needs are, whether it be for personal of business use. We’ll discuss the various options available on car finance and what avenues are available to you. We can also assist you with finding your car through our vehicle search facility which may help you gain further discounts.

Your car finance consultant will spend as much time as you need to ensure you understand each car financing option you qualify for so that you can choose the one that is best suited for you.


Credit Defaults

Discharged Bankruptcy

Discharged Part IX

Short Term Employment

Older Model Vehicles


Self Employed with No Financials

Low Credit Score

The Bank said ‘No’


Car Loans from $5000

Flexible Payment Options

Loan Terms 1 – 7 Years

Transparent Loan Details

Business Use Options

Older Model Vehicles

Obligation Free


If you’re still searching for that perfect car, you can obtain an upfront pre-purchase 2nd chance car loan.

Pre-purchase car finance gives you the flexibility of shopping around for a special without having to sort out finances after deciding to buy.

Gives you more power in negotiating a better price.

Allows you to make a quick decision to purchase without losing the car to another buyer.

Protect Your Investment

We offer a range of optional insurance coverages to provide protection for you and your vehicle.

*Finance subject to approval, including the application of applicable lending criteria. Terms and Conditions apply. Fees and Charges are payable. Credit assistance provided by iCREDIT Australian credit licence 499023. ^Comparison rate for Secured Loan is calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. **. Interest Rate: 5.49% Comparison Rate: 6.71%

iCREDIT Car Finance available throughout the Gold Coast, Varsity Lakes, Palm Beach, Burleigh Heads, Tweed Heads, Brisbane and Queensland Today!