Get back on the road with finance solutions designed for all credit situations. We make car ownership easier with fast approvals and flexible repayment options tailored to your needs.
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10+ Years Experience in Finance
Fast Response Within 24 hours
Australia's #1 for Low Doc Car Loans
Apply and get approved in minutes
$0 early repayment fee
Apply without impacting your credit score
Low rates, low repayments
Secured & unsecured loan options
Bad credit personal loan options available
High approval rate for Bad Credit Loans
We're Brokers & Real People
Bad Credit Loans, Approved!
Can I Get a Loan with Bad Credit? Absolutely!
Yes, you can get a loan—even with bad credit! Affordable Funding connects you with lenders who understand your unique situation. Whether you need a personal loan, a small loan, or a no-credit loan, we’ve got you covered.
Eligibility is Straightforward: You need to be at least 18 years old and an Australian Citizen or Permanent Resident. Our streamlined application process could get you approved in as little as 60 minutes, with minimal paperwork and hassle. For your convenience, we offer low-doc loans to speed things up.
And with potential same-day funding, you can get the money you need without the wait!
Such a good team, very helpful, and the process was actually fast and easy. Always update me with things that I need for my application and it only take couple of days to process everything. Definitely recommend the team 10/10🫱🏼🫲🏾
Absolutely brilliant staff and amazing efficiency! Cannot explain how easy it was to work with them and to get our car loan sorted! Would recommend to absolutely anyone!
The process was an absolute breeze, and everyone I dealt with was so accommodating, very knowledgeable, and clear in explaining everything. My situation was quite complex, and I honestly didn’t think I’d be able to secure finance. To my surprise, they had it approved in less than a day!
Thank you so much, guys.
Excellent service from start to finish! My broker went above and beyond to help me secure my new car finance. Very professional, helpful, and easy to work with. Highly recommended!
I had a fantastic experience securing my vehicle loan. Their team was professional, efficient, and made the entire process smooth and stress-free. I highly recommend their services to anyone seeking reliable financial support!
Can a Small Business Get a Car Loan, and What Are the Requirements?
Absolutely! One 2 Capital connects businesses of all sizes, including small businesses, with lenders who offer business car loans. Your business needs an ABN to qualify and at least six months of trading history. We understand the unique needs of small businesses. We are here to provide financing solutions that fit your goals and help you get on the road quickly.
How Does Financing a Car with an ABN Work, and Is the Loan Tax Deductible?
An ABN is essential to securing business car finance and could open the door to tax deductions and GST benefits, depending on how you use the vehicle. Here’s how having an ABN benefits you:
Eligibility: An ABN verifies your business’s legitimacy, making you eligible for a business car loan.
Tax Deductions: If your vehicle is primarily used for work, you might be able to claim tax deductions on loan interest, depreciation, and running costs.
To maximise these benefits:
Keep Accurate Records: Maintain a logbook to track how your vehicle is used for business versus personal purposes.
Meet the Threshold: To qualify for these deductions, ensure your car is primarily used for business—typically at least 50%.
We recommend consulting with a tax professional to get advice tailored to your situation.
What Is a Low-Doc Car Loan, and How Can It Benefit My Business?
A low-doc car loan keeps things simple by requiring minimal paperwork—perfect for when you don’t have a lot of financial documents on hand. This quick and easy financing solution can help you get the vehicle your business needs without the usual hassle. One 2 Capital can connect you with lenders offering low-doc options for eligible businesses so you can get moving faster.
What's the Difference Between a Commercial Car Loan and a Business Car Loan?
Commercial car loans are often for vehicles that generate income, like trucks or delivery vans. In contrast, business car loans can cover any vehicle used for business purposes, including those that may not directly generate income. Whether you’re running a large fleet or need a single vehicle, we’ll help you choose the right loan to meet your needs.
Is There a Minimum Deposit Required for a Business Car Loan?
Nope! With One 2 Capital, you can connect with lenders offering business car loans with no deposit required, making it easier than ever to get the wheels your business needs.
