Frequently Asked Questions

How long does the process take?

Once we receive your online application, you will be contacted by one of our experienced brokers, within 2 business hours. The timeframe from our high approval rate to completion can be anything from 1 hour under ideal circumstances. Give us a call on an obligation free discussion with one of our experienced brokers. to walk you through our fast and easy approval process

What do you need 

from me?

Making an application is quick and easy – you just need to have the following documents ready to give your broker:

  • Current Australian Residency Identification (Drivers License/ Medicare Card)

  • 3 recent payslips

  • Or one current bank statement 

Note: Financiers will ask for further documents should they require, in order to process your application. 

What are your Rates?

Interest rates can vary depending on the age of the vehicle you are buying, your credit file, credit score, assets and liabilities. Rates start as low as 2.99%* for new vehicles

for business use customers.

* based on a commercial contract for a new vehicle with specific criteria.

How much can I apply for?

You can apply for loans between $5000 and $500,000 with Fits All Finance. More often than not, we can even help you beyond that. We work with a wide range of Australian lenders, so we can find the right solution that fits your needs.

Can I apply for finance before finding my car?

We are able to assist with a pre-approval which gives you peace of mind, whilst hunting for your desired car.  In fact, our Fits All Finance Car Buying Centre, can even offer you assistance in locating your desired car. Why not give them a try? (Often they can source your vehicle, saving you $$ and time. 

I'm not working. Can I still get help?

Yes! We can process applications for customers who are not working, however receiving the following types of payments.

* Single Parenting Payments

* VET Affairs Pension

* Aged Pension

* Carers Pension

Currently, we are unable to accept customers who are solely on Newstart or Youth Allowance payments. 

How do I amend repayments?

At Fits All Finance once we are able to secure your loan suiting your needs, the financier assists you with any loan amendments, updates post settlement.  You will be supplied with all information in order to do so.

Can I apply for an unsecured loan?

Yes, you can. Our lenders often offer both secured and unsecured loans.  

What if I have Bad Credit?

Fits All Finance works with a panel of responsible Australian lenders, who each have different criteria that they look for when issuing a loan. So if you’re credit history is not the best, but you’re working to fix that and need to purchase a car, let us try and find a lender for you.

Am I Eligible?

If you’re over the age of 18, an Australian resident, and receiving a consistent form of income, then we’d love to receive your application. Our large range of lenders each have different criteria when it comes to offering loans, and hopefully we can find a lender to assist you today. 

What are your rates/fees on Bad Credit Car Loans?

As a Finance House, we don't set the interest rate. Our job is to source you a suitable deal based on your circumstance. If you find what has been offered is unsuitable to your needs, you don't have to proceed, at no cost to you, without any guilt. 

How do I Check my Credit Report?

You can check your credit report once a year for free. If you wish to check more than this, then you will incur a fee. You may obtain a copy of your report, from one of the following national credit reporting bodies:

  • Illion (formerly Dun and Bradstreet) – report provides credit score & enquiries.

  • Equifax (Formerly Veda) – view credit enquiries on your file.

  • Get Credit Score – score between 0 & 1200

  • Experian


Please note that not all financial institutions share information with all credit reporting bodies. When choosing which one to get your credit report from, ask your lender which agencies they prefer.

What does the Credit Report and how long for?

How long it stays on Report

 2years from when the payment was due

 5 years from when the credit provider accessed the report

 5years from when the credit provider accessed the report

 5years from when it goes on your report

5years from when it goes on your report

5years from when the judgment was made

5years from when you were declared bankrupt.

 5 years from when the agreement was made

A serious credit infringement reported by a credit provider (where credit recipient) never pays the debt and cant be contacted

                                                                            7years from when it goes on your report

Type of Information                                                                  

Payments more than 14 days late                                                                                             

A credit provider accessing your report after you apply for credit                                         

The type and amount of credit you applied for                                           

A default on a consumer payment or telco or utility bill of $150 or more. 

Confirmation that you have since paid the debt recorded as a default.   

Court judgements against you related to credit                                        


Debt Agreement