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Second Chance Finance

Tru-Blue Motors can Help!

Just A Click Away

Need a Bad Credit Car Loan or Looking for Second Chance Car Finance?

Let the experts at Tru-Blue Motors help you secure your next car loan and get you on the road with the car you deserve. Car loans are our specialty, especially for customers with short term employment, Centrelink Benefit recipients and those with a bad credit history. Visit or get in touch with the team today to find out about the range of cars available.

By utilising the expertise of AnyFin Car Loans (ACL 393258), we can help you get approved for a loan fast and easy. AnyFin has exclusive lenders who specialise in providing loans for people no matter what your credit difficulties.  Our lenders will accept a variety of income sources, including Casual Employment, Self Employed and ABN, Centrelink and Government Benefits, Maintenance and Child Support, Veteran Pension, WorkCover Payments.  We have successfully helped people with problems like bankruptcy, judgement listings, defaults, low credit score and much more!

Whether you have bad credit, no credit, or some other difficulty in obtaining a car finance, we have compassionate lenders prepared to give you a second chance.

  • Are you a first-time buyer?
  • Have you already been turned down for a loan?
  • Do you have a bad credit rating or no credit history?
  • Are you self-employed, a student, a pensioner or have a similar complicated financial situation?
  • Have you had a bankruptcy or been defaulted in the past?
  • Are you new to the country?

Our Finance Specialists

AnyFin’s loan experts are not only understanding but are trained to assess your needs and expedite the process of gaining finance.  We consider your loan application and situation fully, not just as a set of numbers and strict criteria like some lenders.

We can also advise you on steps to take to improve your credit rating and have you on your way to owning your car in no time.

You can APPLY ONLINE NOW to make the purchase process even easier, enquire below or give us a call to get a quick quote.

It usually takes less than 24 hours to get an answer, so you won’t be left waiting and wondering whether or not you’ve been approved.  Our loan professionals will be happy to answer any questions you may have and our team will be there for you every step of the way to help you get the car finance you need for your chosen vehicle.

Our aim is to help all customers. Regardless of their financial situation or circumstances, we strive to help them secure the loan they need for their next car purchase. We understand that your past doesn’t define your future, so we focus on what matters most – how your situation has changed and improved – to help you achieve your dream of buying a new car and for a better financial future. Our team will work with you and our lenders, to find a loan that fits your affordability and requirements.

You can even visit our dealership to check out our wide selection of cars available for purchase. Let us help you borrow money to get behind the wheel of your dream car!


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Frequently Asked Questions

Can I get car finance with bad credit history?

Yes, it is possible to get car finance with bad credit history. Many of the lenders utilised by Tru-Blue Motors’ customers, offer bad credit car loans that cater to individuals with poor credit ratings. 

Financial institutions will look at your income and financial situation before approving a loan. Our finance partners at AnyFin will shop around and compare finance options to ensure you get the best deal possible.

What is a bad credit car loan?

Car loans to help people with bad credit, or commonly known as ‘a bad credit car loan’, are a way for people with less than perfect and poor credit ratings to get approved for a car loan. It allows you to purchase a car even if you have past history of bad credit, or a bad history.  These loans will give our customers the ability to secure finance for a vehicle purchase so they can get their family back on the road, back to work and back to school and it gives them an opportunity to start rebuilding a GOOD credit history.  Terms may be flexible, typically 1 -5 year loans, and varying interest rates depending on the overall customer application.

What is the best interest rate for second-hand cars?

The interest rate for a second-hand car loan depends on various factors, such as the age of the car, the loan term, and the borrower’s credit history and situation.  There is no “typical” interest rate for second hand cars, due to all of these variables.  Our team will compare all the lender options for the very best rate, based on all of these factors and deliver the lowest rate approval available to you. 

To get the best interest rate possible, we’ll shop around and compare offers from different lenders.

What is the lowest credit score to buy a car?

The minimum credit score required to buy a car depends on the lender and your own financial situation. Generally, the higher your credit score, the better your credit rating is considered to be and will more than likely result in a better approval with lower interest rates.  

Some lenders may still offer vehicle finance to borrowers with credit scores as low as 100-300, but they might have stricter terms. To increase your chances of getting approved for a car loan, it’s essential to maintain a ‘good’ credit score, a stable income and financial situation.  You can speak to the finance team at AnyFin to find out more about your credit score, eligibility and how you can improve your chances for approval. 

How do I apply for a car loan?

To apply for a car loan, you’ll need to complete a car loan application and provide the necessary supporting information and documents. The lenders will evaluate your financial situation and credit history to determine whether to approve your loan application.

At TruBlue Motors, we understand that applying for a car loan can be overwhelming. That’s why we strive to make the process as easy as possible for you. Submit an online application today and our experienced team will get back to you and assist you through the process to help you get behind the wheel of your new vehicle.

Can I pay off my car loan early if my circumstances change?

At Tru-Blue Motors, we understand that your financial situation can change at any time. That’s why many of the loans offered through AnyFin provide our customers flexible loan terms that allow you to pay off your car finance / car loan sooner, without any additional fees. 

If you want to increase your monthly repayments over time, that’s also an option. If you’d like to chat more about flexible payment terms get in touch with the friendly finance team at our dealership today for assistance.

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