Second chance car finance. Because your past shouldn’t dictate your future.
Contact our team of expert car loan brokers today!
Traditional banks focus heavily on your credit score. We work with specialised second-chance lenders who assess your current income, your household budget, and your recent banking habits. If you can afford the loan today, we can often find a path forward.
Every time a lender declines you, it leaves a “hard inquiry” on your credit file, dropping your score further. We conduct a “soft check” upfront that does not impact your credit score, allowing us to find the right lender before formally applying.
Bad credit applications require skill to get approved. We know exactly which lenders are forgiving of paid defaults, which will accept utility defaults, and which lenders will work with discharged bankrupts.
We understand that talking about financial struggles is stressful. Our team provides a confidential, zero-judgement environment to help you get the keys to your next car.
A better deal on your commercial finance!
How we get you approved when others say no.
How does it work?
At Gusto Finance, we believe in second chances. We specialise in bad credit car loans, matching you with understanding lenders who look at your current financial situation and your ability to repay a loan today, not just mistakes made in the past.
We have a quick, confidential chat about your situation and review your bank statements and payslips to see what you can comfortably afford.
Instead of applying blindly, we match your unique profile to the specific lender most likely to approve your loan based on their bad credit criteria.
We handle the paperwork and advocate on your behalf to the lender. We push for same-day approvals wherever possible.
Once approved, we coordinate with the dealership or private seller, manage the settlement, and get you behind the wheel.
Speak to our brokers today about the best vehicle finance solutions for your circumstances.
Bad Credit Auto Loans FAQs
Here’s a little more about how we operate. Got a more specific question? Feel free to get in touch.
You can start by completing our inquiry form here. You will also need to supply the following documentation:
Once you have provided all of the required information we will process and submit your application within hours! We aim for same-day approvals and a speedy settlement.
Loan approval timeframes are dependent on your circumstances and cannot be guaranteed but we will always be following up with GUSTO!
