Bad Credit
Car Loans
How it works
Step 1: Apply
Click on 'Apply Now' to submit an application in minutes.
Step 2: Assessment
We'll assess you application and credit report.
Step 3: Buy Your Car
Once approved, find a car and dive away.
Popular Products
Premium Loan
Comparison Rate of 30.81%
Standard Loan
Comparison Rate of 36.19%
Lite Loan
Comparison Rate of 39.05%
These examples are popular loans with C1 Finance, these loan amounts do not take into consideration your current needs and financial position and may be subject to change. Comparison Rates are calculated off the maximum lend and maximum term. Comparison rates are all inclusive of fee's
Top questions
C1 will take security over your car for the term of the loan. As soon as you have paid the loan out the car is yours to do what you want with it.
Yes, C1 only charges a early termination fee if you pay it out within 6 months. Outside of this there are no penalties for paying out early.
Yes, but we will usually check with you before doing so. C1 is a subprime lender so we dont want to affect our clients credit reports anymore than we need to.
What separates us from the rest?
Fair assessments
At C1 Finance, we understand that a bad credit score isn't always a fair indicator of your current financial situation. As a result, we consider a range of factors when assessing your application for car finance. So, if you've been rejected in the past don't be discouraged. We will ensure you receive a fair assessment of your application.
100% transparency
Here at C1 Finance, we believe in transparency. We promise to always be open and transparent about our services and what our processes are. With C1 Finance, what you see is what you get. No hidden fees, fine print or agendas. Just quick and easy car finance.
Free to apply
Our application is 100% online and free! No matter the time or place, simply submit an online application with C1 Finance and we’ll do our best to help you out. Whether we offer you a loan or not, we will not charge for our services. And that’s a promise.
Apply for a car loan today
Apply NowWARNING: Do you really need a loan today?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
- For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
- Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
- If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments.
The Australian Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.