Bad credit doesn't mean no car. I specialise in finding finance when others say no.
With access to 40+ lenders including specialist bad credit financiers, I find solutions that banks and dealers won't tell you about.
"I was rejected by 3 banks and a dealer. Lucas found me a lender in 2 days. I'm driving my new car now."
— Sarah M, Melbourne
Answer a few questions to see if we can help. Takes 60 seconds.
Whether you're buying your first car or expanding a fleet, I find the right finance structure for your needs.
Defaults, low credit score, bankruptcy — I work with lenders who specialise in second-chance finance.
New or used vehicles. Competitive rates from 40+ lenders. Personal or business use.
Prime movers, rigids, trailers — from first-time owner-operators to growing fleets.
Excavators, dozers, cranes, loaders — structured to suit your cash flow and project timeline.
Paying too much? Got a bad deal from a dealer? I can help you refinance to a better rate.
Looking at buying a home or refinancing your mortgage? We can help with that too.
Simple. Fast. No obligations.
Use the quick form or call me. Tell me what you need and your credit situation. No judgement.
I search 40+ lenders to find who'll approve you at the best rate for your situation.
I handle the paperwork, chase the lender, and keep you updated every step of the way.
Loan settled. Keys in hand. And 12 months later, we'll refinance you to an even better rate.
You deal with me directly. Not a call centre, not a chatbot. One person who knows your file inside out.
I understand the lenders who'll say yes when others say no. Different lenders have different appetites — I know which one fits you.
My service is free to you. I'm paid by the lender when your loan settles. If I don't get you approved, you pay nothing.
Bad credit isn't forever. I'll help you structure a plan: get approved now, rebuild your score, refinance to a better rate in 12 months.
Car & Asset Finance Specialist
I've been in the finance industry long enough to know that your credit score doesn't define you. Everyone deserves a fair go — and the right broker can make all the difference.
Credit Representative under
Loan Market Group Pty Ltd
ACL 390222
"After my divorce left my credit in tatters, I thought I'd be catching buses forever. Lucas found me a lender and I drove away in a week. Legend."
— Sarah M, Melbourne
"Two banks rejected me because I'm casual. Lucas found a lender who actually looked at my income, not just my employment type. Got approved same week."
— James T, Geelong
"Dealer wanted to charge me 18% because of an old default. Lucas got me 12% with a different lender and saved me thousands. Straight up legend."
— Priya K, Western Suburbs
Free assessment. No credit check to enquire. No obligation.