Yes, you can! At Intrinsic Finance, we’ll review your current situation and ability to manage your car loan repayments and other commitments when evaluating how much credit you can safely manage. 

We operate under an Australian Credit Licence and could offer you the right car loan suited to your financial circumstances.  

Bad circumstances can impact good people – we recognise that at Intrinsic Finance.  To help you get a car loan approved with a poor credit history, you should: 

• Be able to demonstrate a regular and consistent minimum income – Centrelink benefits may form part or all of your income.  
• Be honest in your application.
• Avoid heavy gambling or regular spending on things you may not really need. 

Our focus will be on your current financial situation and your ability to manage the loan repayments comfortably over the loan term. 

You can apply for a car loan even if you are: 

• A self-employed worker.  
• A single parent.
• A student with regular income.  

From small used car loans to larger car loans – what matters is what you can afford and how you manage your money.   

• You may be more likely to get approved for a car loan with a specialist lender like Intrinsic Finance, over a bank with traditional lending criteria. 

Get your application for a car loan started online by completing the short form here. 

Your application enquiry should take about 5 minutes. We’ll then review all your details and make sure any loan offer is affordable for you. Once you have your conditional loan approval, you can start shopping for a suitable vehicle from a registered dealer. 

How much you can borrow for a car loan may depend on your current financial situation and your ability to manage loan repayments over the loan term. 

At Intrinsic Finance, we have car loans starting from $7,500.

A car loan enables you to borrow a specific amount of money to assist you to purchase a vehicle.  As a loan secured against the vehicle you purchase, there is interest to be paid, but it is generally a lower rate than an unsecured loan would be, as there is less risk to the lender.  

To secure the loan, the lender uses the asset as security, meaning if you don’t make your repayments, the lender may take possession of the vehicle and sell it to cover some of the loan.  All vehicle loans via Intrinsic Finance are secured against the vehicle you purchase. 

We do not offer unsecured loans for cars. As the lender, Intrinsic Finance will have a registered interest in the vehicle on the PPSR. 

The money you borrow is paid directly to the dealership and the dealership delivers the vehicle to you.