Rating based on 57 reviews

First Rate Car Loans


  • Apply within minutes
  • Get approved fast
  • Competitive rates

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First Rate Car Loans homepage

Author First Rate Car Loans. Screenshot of First Rate Car Loans website. [Accessed April 12, 2018]

About First Rate Car Loans

For more than 20 years, First Rate Car Loans has provided car finance and personal finance to Australians across the country.

A major focus on personalised service

We will work with you individually to ensure that you will get exactly what you are looking for in terms of loan amount and affordability. This is what makes us stand out from competitors.

We offer car finance from $5,000 to $250,00. We will work with you no matter whether you have a deposit or now. We can provide finance for both dealer purchases and private purchases.

A large number of reliable lenders

We provide finance to people who would normally get rejected by the big banks. The list includes self-employed individuals, people with bad credit history and new arrivals to the country.

First Rate Car Loans Services

With First Rate Car Loans, you will have a chance to get finance even if you have a bad credit history.

We will work with you to gather all the relevant information which we need to present to our panel of lenders. We will enable them to look into your individual circumstances and show understanding.

Loans for blacklisted clients

We can provide a perfectly reasonable bad credit loan without hassle and delays. You are welcome to apply for bad credit finance directly on our website.

You can expect to get a quick quote in a matter of minutes. A member of our expert team will contact you no later than the next business day to discuss your options and to assist you with obtaining the right loan for you. You can rely completely on our expertise and long term experience.

First Rate Car Loans Blacklisted loan

  • Loan Type Loans for blacklisted

Benefits of First Rate Car Loans

  • Apply online within minutes
  • Bad credit loans are affordable and unsecured
  • Quick finance solutions

First Rate Car Loans – Your first choice in finanical assistance.

First Rate Car Loans provides loans for blacklisted people in Australia.

If you are suffering financially and you've had a not so perfect financial record, don't get yourself worked up with the stress and uncertainty of how you will get finance - we give blacklisted loans to people all around Australia.

Regardless of what issues you may have had previously, you may, in any case, fit the bill for money in spite of what the banks may let you know.

The loan experts

At First Rate Car Loans, we have some expertise in giving individuals another opportunity with poor credit to secure the loan to buy a vehicle. We work with you to assemble the essential data so we can exhibit your application in the right light to our loan specialists, empowering them to genuinely see your present circumstance.

Our custom-made administrations and years involvement in the business guarantee that even if you suffer from a bad credit record, we can work out suitable financing courses of action to get your application affirmed and on your way to getting a new vehicle.

What can our blacklisted loans do for you?

Basically, a blacklisted loan exists to help individuals who experience serious difficulties with money through the standard sources, for example, banks, auto merchants or credit unions.

This may be because of various variables, for example, their low FICO assessments, history of insolvency or low wage issues.

Convenient and safe online platform

Our experienced financial advisors and consultants at First Rate Car Loans have more than 20 years of involvement in the financial and financing industry - so we are prepared to find a simple, practical blacklisted loan for you. Simply register onto our loan application site, and get access to funds in no time.

One you have applied all your details, we will contact you within the same day to discuss various financial options with you.

Customer Reviews & Testimonials

April 2019

If you need a car and you have been blacklisted then I would say you need to use them they are the best and they have helped us get the car we need for our family.

Sarah L
— Brisbane —

May 2019

The application will take you five minutes and you could be sitting with a new car like we did a few days later the service is excellent and the staff are great.

Jimmy N
— Perth —

June 2019

If you need a company that will care for you in your need of trying to get a vehicle loan but have not found the company for you. Stop where you are taken my recommendation.

Kimmy Y
— Melbourne —

First Rate Car Loans Contact

Physical Address

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed