• Have bad credit
  • Working part-time
  • Tradie or small business

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*Completing this form will not impede your credit rating
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If you need to get on the road and moving, the team at Alpha Car Finance are here for you.

We know that life sometimes throws a curve ball and before you know it the banks won’t lend you money. Even if you have unique financial circumstances, like a bad credit history, Alpha Car Finance may be able to get you into a car in the next business day*.

  • 21 years or older
  • Permanent Australian Resident or citizen
  • Current drivers licence
  • Earning $35,000*+ pa

*Subject to verification, suitability and affordability


If you cant meet all these criteria you can still talk confidentially to one of our loan consultants who may be able help you put together a better application. Call us on 1300 25 74 26

Choose a car from our extensive fleet
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vehicles range
Hyundai i20 Hyundai i30 Toyota Corolla Nissan Almera Nissan Micra Nissan Xtrail Kia Carnival
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Why Choose Alpha Car Finance?

  • Super fast application and approval process
  • Large range of makes and models available right now!
  • Low upfront deposits
  • Fixed weekly or fortnightly repayments
  • All in one repayment amounts includes rego and insurance
  • Options to bundle in servicing, tyres and roadside assistance

Alpha Finance Blog

Money tips for beginners

If you’ve always been the type to seize every opportunity to go out of town, go shopping or eat out in the most expensive restaurants, then saving your money may be a challenge for you. But that doesn’t mean that you can’t do it. All it will take is your determination and some lifestyle changes that you have to stick to from here on out.

Aside from fuel prices and parts, car repairs are costly. The last thing you need right now is to have issues with your vehicle, especially while you’re on the road.

Your car takes you wherever you need to go, so keeping it in good condition is very important, and taking preventive measures will spare you from a lot of trouble and money.

If you can afford to get a new car after several years, it is much better to give your current vehicle the care it deserves, instead of always spending needlessly on a new one.

woman holding car keys

The operating costs that can burn a hole in your wallet if you don’t pay attention.

For many of us, owning a car is essential. Whether you are driving to work, getting the kids to school, or just escaping for the weekend – a car can mean freedom! But it comes at a cost and smart budgeting to stay on top of things if you want to remain ahead of the bills.