Our car loan interest rates vary depending on the age of the vehicle you're buying, your credit history, credit score, assets and liabilities. Our rates start as low as 6.19%, subject to the specified criteria above.

Our application process is quick and simple. You will just need to have the following documents ready to upload to your broker:

• Current drivers licence (back and front pic)
• Two recent payslips
• Last 90 days bank statement or, if on Centrelink, a Centrelink Income Statement
• If Visa holder, we require your current Australian Residency Identification (VEVO) check

No, we don't perform credit checks on all applications.

In face, our "soft" credit checks don't even leave an enquiry on your file!

We perform these "soft" credit checks so we can gather enough information to be able to direct your application to the lender/s we think will be suitable for your financial position.

If your application is then submitted to a lender, the lender will more than likely perform a hard credit check. This WILL leave an enquiry on your file. Just know that, we will not submit your application to a lender unless we have discussed it with you and you have agreed to it.

Yes, we can organise Pensioner Car Loans for private sale cars.

When you've put through your application, just let us know that you are looking to finance a car from a private seller and we can ensure that we only use lenders that will help.

We have a whole team dedicated to helping customers with bad credit obtain approval for Pensioner Car Loans!

However, we can't help everyone. For all pensioner bad credit applications we need to conduct a full assessment. After we've done the assessment, we will ask you the reasons why the bad credit occurred and present the circumstances to the lender. We find that doing so gives us a much better chance of obtaining approval.

Using our online application process, it is possible for us to get an answer back to you within 2 business days.