Are You Eligible?

Get your pre-approval in seconds

Are you a permanent Australian Resident?

Employment Status

I am employed
I am on Centrelink Benefits
I am employed & receive Centrelink Benefits

Type of Employment

Full Time
Part Time
Casual
Self

Centrelink Benefits

Single Parent Pension
Family Tax Benefit
Disability Pension
Carer Pension
Age Pension
Youth Allowance
Newstart
Austudy

Credit History

Clear Credit File
Late Bill Payments
Defaults on Credit File
Court Action or Judgment
Part 9 Debt Agreement
Discharged Bankruptcy
Current Bankruptcy

Congratulations! :)

You have been pre-approved.

Please enter your contact details to complete application

Enter Details

Sorry :(

You have not been pre-approved.

Unfortunately we are unable to assist you

BEEN TURNED DOWN FOR A CAR LOAN?

We can give you a second chance

Are You Eligible?

Get your pre-approval in seconds

Are you a permanent Australian Resident?

Employment Status

I am employed
I am on Centrelink Benefits
I am employed & receive Centrelink Benefits

Type of Employment

Full Time
Part Time
Casual
Self

Centrelink Benefits

Single Parent Pension
Family Tax Benefit
Disability Pension
Carer Pension
Age Pension
Youth Allowance
Newstart
Austudy

Credit History

Clear Credit File
Late Bill Payments
Defaults on Credit File
Court Action or Judgment
Part 9 Debt Agreement
Discharged Bankruptcy
Current Bankruptcy

Congratulations! :)

You have been pre-approved.

Please enter your contact details to complete application

Enter Details

Sorry :(

You have not been pre-approved.

Unfortunately we are unable to assist you

WHY 2ND CHANCE ARE FAST & HASSLE FREE

Pre-Approval

Jump on our eligibility calculator for a free pre-approval in just seconds.

Information Gathering

A five minute phone call with one of our staff to confirm your situation.

Outside The Box

We look at your whole picture and find a way to get you back on track.

Free Quote

Not happy with your quote? Walk away at any time free of charge.

OUR CUSTOMER STORIES

Case One

  5 defaults on credit file totalling over $9000

  Single parent with 6 months casual employment

  Good rental conduct in residence

APPROVED

Case Two

  Current Part 9 Debt Agreement

  6 month full time employment

  Good rental conduct in residence

APPROVED

HOW IT WORKS

STEP 1

Enquire online and designate the best time to give you a call. We give you a buzz at your desired time to discuss your application and understand your requirements.

We have a look at your credit file. Don’t despair if you’ve had a few issues. It is our job to help get your credit back on track.

Maybe you have some defaults on your credit file but you are spot on with your rental payments. Maybe you’ve got good savings history.

Maybe you’ve got good stability in your residence or employment. We take many things into consideration.

STEP 2

We may contact you for additional information such as bank statements or payslips to help us get a full picture of your situation.

Our analysts look at the whole picture and decide which are the lenders most likely to assist you. We may discuss your profile with several lenders and whichever makes the best offer is what we will come back to you with.

STEP 3

Once we have a pre-approval in place, we come back to you with figures and you decide whether you wish to proceed. If you don’t wish to proceed, you are not obligated to do so. Simply let us know and we’ll close our file at no cost to you.

At the end of the process win, lose or draw, we will provide a copy of your credit file to you free of charge.

You’ve been approved, you’ve found a car and you’re ready to proceed.

Once you’ve given us the green light, the process is very quick. We will prepare documents and bring them to you. The signed docs are submitted to the lender who settles the loan and you are right to drive away inside 24 hours.

We’ll help you get back on track