Bad Credit
Car Loans

36 Months

Estimated Repayments


per week


per fortnight


per month

About Us

C1 Finance (ACL 386 366) is an accredited lender that has been helping credit impaired Aussies access motor vehicle finance loans for over 10 years.

At C1 Finance, we understand that impaired or bad credit history is not always a fair indication of a person’s current situation. Consequently, we will consider your overall profile when assessing your eligibility for a C1 Finance loan. All that we require is that you own, or are buying, a motor-vehicle to secure against your loan and maintain a consistent, regular income to meet our loan repayments.

Our loans range from $10,000 to $25,000 and are available across Australia. You can apply for a loan with us directly or through C1 Finance accredited finance brokers. All finance brokers working with C1 Finance must hold all relevant accreditations, including an Australian Credit Licence.

To apply now, click here! For more information, call C1 Finance on 1300 732 520. Our friendly consultants are ready to assist you in any way they can!

How it works

Fair assessments

At C1, we understand that a bad credit score isn't always a fair indicator of your current financial situation. That's why 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

We believe in transparency. We promise to always be open and transparent about our services and what our processes are. With C1, what you see is what you get. No hidden fees, fine print or agendas. Just quick and easy car finance.

Free to apply

C1 Finance applications are free and done 100% online! No matter the time or place, simply submit an online application with C1 and we’ll do our best to help you out. Regardless of the outcome, will not charge for our services. That’s a promise.

What you'll need to apply

  • Aussie citizenship or permanent residency
  • 90 days of bank statements showing regular income or benefits
  • Good, bad and no credit welcome!
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Apply for a car loan today

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