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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*.
All you need is to:

  • Be 21 years or older
  • Be a permanent “Australian Resident” or citizen
  • Have a current drivers licence
  • Earn more than $35,000* pa
  • Have bad credit
  • Work part-time
  • Tradie or small business

*Subject to verification, suitability and affordability

If you tick all these boxes Alpha Car Finance can get you into your new car and on the road in the next business day.


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

car financing

Let’s face it: it is really difficult to start saving money. You would need huge amounts of motivation and discipline, as temptations are everywhere. It is doable and possible though - you just need some tips and inspiration, which we will both be talking about today.

credit score credit rating

As we always say and hear: “desperate times call for desperate measures”. Unfortunately, this is true, especially if a person is deep in debt and are looking for ways to improve their credit score. Sure, trying old-fashioned ways such as paying your bills on time and never missing a payment would definitely work, but still, credit scores are tricky and may need a lot of work.

It can get tiring to wait for your credit score to improve, and thus we are giving you extreme ways to turn your credit score from negative to positive.

All credit cards have a credit limit, which is the maximum amount allotted for each credit card user. Different accounts have different credit limits, depending on the credit card that you have applied for. It is also considered during the application process, wherein the applicant submit their needed documents.