Bad Credit Car Finance

Finding solutions even when others wont

Life doesn’t always go to plan, even the best of us have the occasion credit hiccup…

…that’s why at Emanate Finance, we believe everyone deserves a second chance.

So you’ve been turned down for finance due to your Veda credit file? Perhaps you missed a payment, forgot to pay your rates or had a major life event. That doesn’t mean you shouldn’t be able to enjoy your life and have access to the same luxuries and necessities that the rest of us do.

We help individuals and businesses with bad credit, Veda defaults and bankruptcy every day with a range of specialist lenders who welcome your business – even if you’ve been turned down elsewhere. Our finance brokers review every application in depth before making any recommendations and spend the extra time needed to help with tricky situations.

Lets find out what is possible for you.

Give us a call or complete the form below

Speak to us today for:

• Free quotes
• Fast pre-approvals
• Competitive fees and rates
• 100% finance options
• Low doc and self-employed finance

Secured and unsecured finance for all vehicles:

• New and used cars
• Dealership and private sale
• Motorcycles
• Caravans
• Trucks

FACT: Whatever your history, financing your car should NOT be complicated

If these are important to you…

Fast service?

Free pre-approvals?

Same day approvals?*

then let’s connect and see what we can make happen for you

Note: *Approval times differ dependent on the lender, however where required we will use a same day approval lender subject to eligibility. Approval times are based on when the lender receives the application and not based on your initial enquiry date and time.

Questions about your car finance?

Personalised options to suit your needs

We understand that your financial position is unique. We will ask you the right questions to understand your circumstances and will seek suitable options – even if you had credit issues in the past.

All applications considered!

We promise to provide a full review for all applications, we won’t turn you away just because you don’t fit the regular mould, we will reviewing all possibilities and advise you of your options.

What is your Price beat guarantee?

We will beat any written quote or we will provide you with a $100 fuel voucher on settlement on your loan.

How long will it take?

Our initial discussion will take no more than 15-20 minutes over the phone to ascertain what options may be available to you.

If you’re happy with what we’ve spoken about we can arrange a pre-approval to give you peace of mind and ensure you can put forward a strong purchase offer. Some lenders have the ability to approve loans with 1 – 2 days – others may take a little longer to assess your application.

Each lender will have a different application time frame and we can advise you of what they are.

Lets find out what is possible for you.

Give us a call or complete the form below

Emanate Finance

5.0

Based on 105 reviews

review us on

Christo Roelofse

22:17 02 Jul 24

Elizabeth and Emanate Finance is a great ! This is the second time I have used them and everything went smooth without a hitch. They really know all the ins and outs and can be trusted and have your best interest at heart. They know the process and know what banks are good for whatever your situation might be. Highly reccommend this company !

Bijoy Paul

23:51 30 Jun 24

It was a fantastic experience from Chester Blaxell, Emanate Finance in terms of professionalism, communications and recommendations/ advocacy. Really benefited and enjoyed the service!

Kyle Hilder

04:41 05 Jun 24

Great place for all your finance needs.My Broker was Elizabeth Duck and she was fantastic, very knowledgeable always had an answer for my questions. Process was very quick and easy.Highly Recommend!

Byron Hilder

06:35 31 May 24

A very good service would recommend them to all my friends and family

Louisa Karangaroa

04:38 31 May 24

If you want a broker who absolutely listens and cares about yours and your family needs. Then look no further! The best broker in all of WA who goes above and beyond! Liz and her team Shennie are nothing short of amazing!! Thank you guys so much :)

Lyn Hawkins

07:29 22 May 24

Cat showed how we can save massive amounts of money with a better interest rate than our existing lender, discharging our home mortgage and reducing the loan term of our investment property mortgages. Her knowledge, patience and professionalism is exceptional. I highly recommend her services.

07:02 15 Apr 24

We would like to thank Cat Marriott for the amazing service, her professionalism, responsiveness and integrity is highly recommendable. The whole process was too quick and easy with Cat’s guidance. We highly recommend Emanate Finance and the whole team.

Samantha Moore

01:20 21 Feb 24

I strongly recommend and speak very high of Elizabeth from Emanate Finance. The effort and persistence she went through to get us across the line was an effort like no other. Cannot thank Liz & her team enough for there hard work and reassuring efforts.The communication was strong and always answering any questions we had.

Angelina Mcklaren

06:52 12 Jun 23

Would highly recommend Emanate Finance. Liz and her team went above and beyond for us. She was patient and took much time needed to find the best outcome for us. Would highly recommend these guys to anyone and everyone! Absolutely 5+++ stars ! Brilliant service, super friendly and very efficient! Thanks so much for helping us out. You rock!

Sunita Singh

11:15 17 May 23

Thanks so much, Cat Marriott, for making this process as simple as possible, for always being available for questions. We so appreciate your responsiveness and integrity. You've made our dream into reality. We won't hesitate to refer your great service if given the opportunity"Sunita & Sunil

Laurane Seeley

23:00 31 Mar 23

The service I received Emanate was quick and thorough. Cat, was very friendly and easy to talk to, was very patient with me on things I didn't understand until I understood them, and assistance was great with the online details that I wasn't sure of, I received help over the phone to finalise the paperwork. I recommend Emanate to anyone trying to refinance... Thanks for your help Emanate & Cat for all the help :)

ALISON REED

04:42 17 Mar 23

Matthew Bailey mortgage broker went above and beyond, constant contact with us and bank to be able to refinance and give us a much cheaper rate. He made it a nice and easy process .We doubted we’d be able to , he made it happen .cannot recommend him highly enough .

Nicola Hardy

09:38 08 Mar 23

Melanie has been an amazing support throughout the process. She has gone far and beyond for us on several occasions! I would highly recommend you contact her for a chat!! Thanks so much Mel!!!!!

M W

03:10 17 Jan 23

Great service with a strong client focus! Cat Marriott was fantastic to work with when it came to refinancing our mortgage. She understood our needs and made the whole task a lot easier for us...mainly for me who dreads dealing with the banks. I appreciate how she took the time to explain parts I did not understand and kept us consistently updated at each stage of the refinance process.

Amanda Bryant

09:39 15 Dec 22

Elizabeth Duck was absolutely amazing!!! We can’t thank her enough! With her assistance and support we were able to refinance our mortgage and it wouldn’t have been possible with out her fantastic support and guidance. Liz is so professional and kept us updated through the whole process. I will be highly recommending Liz to anyone! I also want to thank my friend Lisa who referred Liz to us, as she absolutely right when she said Liz was Fantastic!!