Alpha Finance / Car Loans
Car loans for people the banks said no to.
We help Australians with bad credit, limited history or a knock-back from the banks get into a car. Loans from $10,000 to $25,000, assessed by a real person.
A lender on your side
No credit score impact
Checking your options is a soft eligibility step that does not affect your credit score.
Assessed by real people
A person reviews every application, often with an answer within one business day.
Responsible lending
We only lend what we believe you can comfortably repay, and we explain the costs upfront.
New or used vehicles
Finance a car that suits your life and your budget, bought from a licensed dealer.
Car loans for everyone
Whatever your situation, there is a good chance we can help. Explore the options built for circumstances the banks tend to overlook.
Bad credit car loans
Defaults, arrears or a low score do not have to stop you. We look at the whole picture.
Pensioner car loans
Stable pension income can support a car loan. See how we assess pensioners.
Centrelink car loans
We can consider eligible, stable Centrelink payments as part of your income.
Single parent car loans
A reliable car keeps family life moving. See the options for single parents.
Car loan information for your situation
Find out how we assess credit history, pension income, Centrelink payments and family income. Each application receives a full assessment.
Bad credit car loans
Learn how we assess current income, expenses and credit history, including past defaults.
Pensioner car loans
Find out how eligible pension payments form part of an application and what evidence we need.
Centrelink car loans
We can consider eligible, stable Centrelink payments as part of your income.
Single parent car loans
A reliable car keeps family life moving. See the options for single parents.
How it works
Four short steps from enquiry to driving away.
Apply online
Tell us about your income and expenses. It takes about five minutes.
Verify your details
Confirm your ID with APLYiD. Share bank statements with CreditSense. Allow about ten minutes.
We assess your application
We review your full situation, not just your credit score, and usually respond within one business day.
Approval and paperwork
If approved, you receive your loan amount, fixed rate, fees and repayments in writing.
Choose your car and drive
Choose a car from any licensed Australian dealer. We pay the dealer, and you drive away.
We pay the dealer directly
Once your loan settles we pay the dealership for the car. You never handle the loan money, and there is nothing to transfer.
Everything in writing first
Your approved amount, fixed rate, repayments and fees are set out in writing before you sign anything.
Ready when you are
See what you could borrow.
Start your application today. It takes only a few minutes and will not affect your credit score.
Car loan questions
Yes. We specialise in lending to people with poor or limited credit history. We assess your whole situation, including your income and stability, not just your credit score.
News and insights
Guides to help you borrow with confidence.
Tips on building credit, understanding rates, and getting the most from your car loan.