Second-chance car finance·Australia wide

Your credit history
isn't the end
of the road

Defaults, missed payments, a knock-back or two — specialist lenders look at where you are now, not just your past. One quick form, no obligation.

All credit histories considered Specialist lender panel 100% free, no obligation
A couple talking through car finance options with a specialist at a dealership
Talk it through with a real specialistNo pressure — just your options, explained.
All credit typeswelcome to apply $5k–$150kloan sizes $0to check your options
Why Fund My Car

Lenders that look at today, not just your past

Chasing dealership finance and bank after bank is slow and frustrating. Apply once with us and we'll match you with car loan lenders from our panel that suit your situation. Free, fast, and with no obligation.

Your file, read properly

Income, stability and what you can afford today carry real weight with our lenders — not just listings from years ago.

100% free to you

Our matching service costs you nothing. $0, with no hidden fees, ever.

Specialists in second chances

Our panel includes lenders whose whole focus is helping people with credit bumps get moving again.

No obligation

See your options with zero pressure. There's nothing to sign and you can walk away anytime.

Won't affect your credit score

Getting matched is just a few questions. It doesn't run a credit check, so your score stays untouched.

Defaults? Still worth checking

A past default or a low score doesn't automatically rule you out. Every file is different, and it costs nothing to look.

How it works

01

Tell us your story

A few quick taps about your situation — about 90 seconds, no paperwork.

02

Get matched to a specialist

We match you with lenders on our panel that work with your credit profile.

03

Talk it through

A specialist walks you through what's possible. No obligation to proceed.

Whatever you drive

Finance for any set of wheels

Car loans from $5,000 to $150,000, new or used, dealer or private sale. We'll help you find a lender for it.

Cars
SUVs & 4WDs
Utes & trucks
Motorbikes
Caravans & campers
Boats

The amount you can borrow depends on the lender you're matched with and your circumstances.

Joined by 10,000+ Aussies
Our track record
10,000+

Australians helped

We've helped over 10,000 people get behind the wheel, using our matchmaking service to connect people like you with one of our approved car loan partners.

256-bit secure No credit check 100% free & no obligation
Could you be matched?

A knock-back before doesn't mean a no today

If these sound like you, it's worth taking the 90-second quiz. Even if your credit isn't perfect, our panel includes lenders for a range of situations.

  • You're 18 years or older
  • You're an Australian citizen or permanent resident
  • You have a regular incomeFull-time, part-time, casual or self-employed, all welcome to apply.
START ELIGIBILITY CHECK YOU'RE ELIGIBLE MATCHED $ CAR LOAN
Good to know

Your questions, answered

Is this service really free?
Yes. Using Fund My Car to get matched with lenders costs you nothing; there are no fees and no catch (lenders pay us, you don't). The loan itself will have its own interest rate and fees, set by the lender you choose to proceed with.
Will this affect my credit score?
No. Answering the questions to get matched doesn't run a credit check, so it won't affect your credit score. A lender may later do their own checks once you choose to proceed with them.
I have a default — can I still apply?
Yes. Our panel includes specialist lenders who consider a range of credit histories, including past defaults and low scores. Approval is never guaranteed — each lender assesses your current situation — but a past default doesn't automatically rule you out.
How much can I borrow?
Lenders on our panel offer car loans from around $5,000 up to $150,000. The amount, rate and terms you're offered are decided by each lender based on your situation and the vehicle.
How long does it take?
About 90 seconds. It's a few quick multiple-choice questions plus your contact details. No long forms or paperwork to get started.
Who will contact me?
A lender from our panel that may suit your needs. Fund My Car is an introduction and referral service. We're not a lender and we don't provide credit assistance or advice.
Is my information safe?
Yes. Your details are handled under the Privacy Act 1988 (Cth) in line with our Privacy Policy, and are only shared with lenders on our panel.

Ready to find your car loan?

Stop searching and start matching. Answer a few quick questions and get matched in about 90 seconds. Free, no obligation.