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

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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

6 + 13 =