Bad credit car loans Perth up to $75,000

We believe in second chances — even when others don't. Looking for bad credit car finance in Perth? Money3 could give you up to $75,000.

  • All Vehicle Types Considered 
  • Centrelink Friendly Loans*
  • Bad Credit Considered1
  • Fast Car Loan Pre-approvals
1. Subject to verification, suitability and affordability
* Money3 is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments
Get Started

By submitting your request for a pre-approval quote, you consent and agree to our Privacy Policy.

We'll Give You a Fair Go!

Real Reviews from Money3 Customers

Get back on the road with a bad credit car loan.

Explore our range of bad credit car loans for Perth drivers and rest easy knowing you're getting a fair deal.

Woman in glasses

Car finance made easy, so you can focus on the fun stuff. Here's how to apply.

Get the money you need, when you need it. With a fast, headache-free application process, getting a bad credit car loan in Perth has never been so simple.

car keys
  • 01.
    Submit your pre-approval online

    Apply online in just 5-10 minutes. We enable simple access to your banking portal for easy retrieval of your statements.

  • 02.
    We’ll take a look and get in touch

    After reviewing your car loan application, we'll reach out via phone or email with next steps to clarify how much you could borrow.

  • 03.
    Pick your new car

    Either new or used, from a dealership or via a private sale — tell us what car you'd like to buy, and we can provide you with a quick assessment.

  • 04.
    Drive away

    If all goes smoothly, you could be driving away in your next car in 24 to 48 hours.

Let’s get you behind the wheel. Apply online today.

1. Subject to verification, suitability and affordability

car keys

Find fast and easy car finance for every driver.

If you're living in Perth, bad credit shouldn't hold you back from getting the car loan you need.

100% online

With easy bank statement retrieval of your documents, you can apply online in just 5-10 minutes.

Get up to $75,000

We'll match you with a suitable bad credit car loan and calculate your weekly repayments to work best for you.

Drive away in 48 hrs

When it's time to buy, we provide you with the funds to complete the purchase of your car within 48 hours once approved.

Need something else? Find finance for vans, scooters and more.

If it's not a car that you're looking for, but another mode of transport - we'll get you where you need to go.

Example Car Loans Costs Chart in Perth

BorrowCostsRepay
$5,000$1,909$6,909
24 months at 13.95% APR & 34.16% Comparison Rate
$10,000$6,925$16,925
48 months at 13.95% APR & 29.11% Comparison Rate
$25,000$14,850$39,850
60 months at 13.95% APR & 20.38% Comparison Rate
$50,000$30,285$80,285
72 months at 13.95% APR & 17.23% Comparison Rate
$75,000$42,219$117,219
72 months at 13.95% APR & 16.15% Comparison Rate

EXAMPLE: A platinum secured personal loan of $5,000 for 24 months has fees and charges totalling $1,935.15 and a total repayment of $6,935.15. The Minimum loan term is 24 months and the Maximum term 24 months. The loan term will be 24 months, 52 fortnights or 104 weeks. The Maximum APR is 13.95%. The Comparison Rate, based on a loan of $5,000 over two years, is 34.58%.
EXAMPLE: A platinum secured personal loan of $25,000 for 60 months has fees and charges totalling $14,850.43 and a total repayment of $39,850.43. The Minimum loan term is 24 months and the Maximum term 60 months. The term will be 60 months if you repay monthly, 130 fortnights or 260 weeks. The Maximum APR is 13.95%. The Comparison Rate, based on a loan of $25,000 over five years, is 20.38%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Please Note: Advertised costs and repayments have been rounded up to the nearest dollar amount, so costs may be slightly cheaper in most cases. Australian Credit Licence 389067.

Car Loans in Perth FAQs

Other financial providers may knock back borrowers with a poor credit score. At Money3, we consider other factors to determine whether a loan is do-able for you. Our bad credit car loans give Perth drivers a second chance.

When you apply for a car loan with Money3, you will be asked to provide details of your regular income and expenses. We will review this information to determine how much borrowing power you have. The higher your borrowing power, the more money you will usually be able to access.

To get car finance with Money3, you need to have an income of at least $480 or more per week1. This income can come from working, Centrelink benefits*, or both

Yes, we’ll need your address, contact details, and information on your regular income and expenses. They can be uploaded digitally online. We will also need 90 day bank statements and your driver's license for the assessment process.

1. Subject to verification, suitability and affordability
* Money3 is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments