How to Get Car Finance with Bad Credit in Perth (Even If You’ve Been Declined Before)”
Monday, 06th October 2025
Most banks and big dealers don’t care about your story. They see a number on your credit file and hit you with a flat-out “No.” At Carmart Perth, we do things differently. We know life happens — divorce, job loss, late payments… it doesn’t mean you’re not capable of repaying a car loan. That’s why we say YES when others say NO.
Published by Carmart perth
Most banks and big dealers don’t care about your story. They see a number on your credit file and hit you with a flat-out “No.”
At Carmart Perth, we do things differently. We know life happens — divorce, job loss, late payments… it doesn’t mean you’re not capable of repaying a car loan. That’s why we say YES when others say NO.
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Here’s how it works:
1. We Listen First.
No judgment. We sit down and get to know your situation properly. Are you recovering from a rough patch? Just out of bankruptcy? New to the country or rebuilding after a breakup?
We don’t just look at your credit — we look at your story.
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2. We Match You With The Right Lender.
Unlike banks, we don’t have one option. We work with a range of finance companies that specialise in low credit scores, casual income, Centrelink, ABNs, and first-timers.
We know which lenders say yes to which profiles — so you’re not wasting time with the wrong ones.
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3. Soft Touch – No Harm to Your Credit File.
You heard right. Our pre-approval process won’t leave hard marks on your file. We get all your info, show your profile to the right lenders, and you only apply when we know it’s likely to get approved.
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4. You Pick The Car – Or Get Approved First. Click HERE TO CHECK OUT OUR STOCK
Already found a car you like? Great. Haven’t? Even better. We can get your finance sorted first, so you know exactly what you’re working with — and you can shop confidently.
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5. Drive Away With Backup.
You don’t just get a car — you get:
• Up to 5 years warranty & roadside assistance
• A team that answers the phone if anything goes wrong
• A dealership that treats you like family, not a file number
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Real Stories. Real Results. TO APPLY FOR FINANCE CLICK HERE
We’ve helped:
• A single mum with a discharged bankruptcy drive away in a 7-seater SUV.
• A FIFO worker with a messy file get approved for a turbo Hilux.
• A young couple on Centrelink get their first family car.