Paleso Finance Group

Bad Credit Loans

Over 20 years experience in helping after a problem.

Bad Credit Loans are a flexible secured loan product for those with bad credit or difficult situations like short term employment.  It is a second chance product to help people reinvigorate their credit rating, and get back in the credit market.

Perhaps you are new to Australia, or forgot to pay off your credit card; maybe you missed some repayments, have been bankrupt, or are just unlucky.

We understand sometimes bad things happen to good people and often they deserve another chance but a careful assessment must be done before a finance company will take that risk.

Many applicants reading this may already have been declined or knocked back elsewhere. If this is the case don’t despair. We have experienced consultants with specialist training for these types of scenarios.

Although being secured on your purchase, interest rates for bad credit finance applications are generally higher than all other types of car finance because of the higher level of risk involved.

What do we need to do?

Because the Lenders we approach once you have bad credit will need to have a full understanding of what happened in the past, but more importantly what your current situation is, we will need to ask you quite a few questions and get as much supporting information as we can. The more information we have, the better we can understand your situation, the better chance we have of getting a great approval for you and help you reach your current goals.

What is the best way to apply?

Because we need to understand your current situation in great detail to get you the best possible loan, we suggest we meet with you in person or put 30 - 45 minutes aside to talk to us on the phone. Online forms are a great convenience, but we really can't get the level or understanding we need from them, so if it suits feel free to put your details into our online application form but we will need to contact you after to get more information. The better we can understand what happened, what your situation is now and what your requirements and objectives are, the better we can help you achieve your goals.

Find out how we can help you...

All different types of car loans

What are my options for car loans?

Secured Car Loans

Lowest Rates - 1 to 7 year terms - Higher Limits
A secured car loan is the most common type of loan to purchase a New, Near New or Used Car. The car can be purchased either from a Dealership or Private Sale. Often secured car loans offer the most competitive interest rates and repayments as they use the vehicle you are purchasing as security against the loan, reducing the risk and getting you a better deal

Unsecured Car Loans

Great Rates - 1 to 7 year terms - Great for Older Cars
Also known as personal loans, these loans offer great flexibility to purchase any car you desire without restrictions around valuation or age. It can also be great if you haven't chosen your car yet and want to have the funds available to negotiate a deal and pay for the car straight away.

Business Car Loans

Awesome Rates - 1 to 7 year terms - Balloons
A Commercial or Business Car Loan is used for the specific purpose of purchasing a vehicle or fleet of vehicles for business. Commercial loans can offer some of the most competitive rates and repayments compared to other loan types and can provide a tax advantage and allow you to claim GST and depreciation. A Business Car Loan is a great option for any sized business with flexible repayment terms to suit business cashflow or accounting structures.
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Private Sale Car Loans

Great Rates - 1 to 7 year terms - Can Be Tricky
Private Sale purchases need to be handled with care.  We are experts in the correct procedure to ensure you are getting what you pay for.  In addition we can ensure you get the best loan possible to suit a private sale car purchase.  
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Car Loan Pre Approval

Better Barganing Power - Flexibility - Great Rates
Getting a Pre Approval for a car loan is a fantastic way of finding out what you can afford and giving you confidence to know exactly what you can shop for when you are ready to get your first car, upgrade your car or get that new car you've been dreaming of. Negotiate price knowing exactly what you have ready in regards to your car loan. Not having to worry if you will be approved or not is a great start in your car shopping and can often help you get a better deal on what you want to buy.

Bad Credit Car Loans

Had something go wrong in the past? It doesn't have to mean you can't get access to a loan. Some lenders are more interested in how your financial situation looks like now than what happened in the past. We have 25 years experience helping people get back in the world of credit, and have access to three unique local lenders that take the time to listen to what happened, and more importantly what is happening now. Talk to us today, we are here to help.
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