This is a flexible secured loan product for those with bad credit ratings or difficult applications.


Perhaps you’re new to Australia, or forgot to pay off your credit card, maybe missed some repayments, you’ve been bankrupt, or just unlucky.

Sure, some people deserve another chance but a careful assessment is done before the finance company will take that risk.

Many applicants reading this may already have been declined or knocked back elsewhere. If this is the case don’t despair! We have unbiased and experienced consultants, Real People, with specialist training for these 2nd chance scenarios.

Although being secured on your purchase, interest rates for this 2nd chance product are generally higher than all other types of finance, which relates to the level of risk.

The very last chance?

Been rejected by everyone? No-one will listen to your story? You have a shocking credit rating that’s scared everybody away? We may have an answer.

If you require expert advice on your particular situation you can call or contact our finance experts. They will listen to your situation and may be able to work out a solution and package to obtain a suitable finance arrangement for your needs. Call 1300 769 999.


If for unfortunate circumstances you have become Bankrupt (Total Insolvency) and your term has just expired, please note we are unable to assist for a minimum period of 12 months after the expiry date, inclusive of part (9) and (10) of the Bankruptcy Act.

IF YOU ARE PRESENTLY BANKRUPT or UNDER A DEED OF ARRANGEMENT Part (9) or (10) of the Bankruptcy Act, WE WILL NOT BE ABLE TO ASSIST, if you are unclear please contact your administrator that liquidated your estate and conducted your affairs.

If you require any assistance on the above, or if you are not completely clear with the above please contact one of our professional consultants in your State, by simply calling (cost of a local call) Nationally 1300 769 999.

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  • Suncorp Bank
  • AFS
  • CIL Insurance