Poor credit? Savvy can help You

Stress less with a selection of bad credit loans tailored to you

Gain approval with bad credit

If you have bad credit, you are not alone. According to credit reporting agency Veda, 600,000 Australians are at-risk for credit default. Defaults sometimes happen due to circumstances out of our control. Bad credit can be a burden applying for car loans or mortgages, but it shouldn’t have to be. Savvy believes all Australians should access affordable credit. Nine out of ten applicants are approved. You get your own specialised consultant to help you through the process from start to finish. We look for the best bad credit (or sub-prime) loans to help you on your way to financial independence.

From cars to homes, We get you

Savvy understands that a new car or home can feel out of reach for many of us with bad credit. If you have bad credit, or have been discharged from a Part IX Debt Agreement (for over 18 months) and are making inroads to correcting your finances, our consultants help to find you the best sub-prime or bad credit car loans or mortgages that suits your circumstances. We can also help you with finding chattel mortgages or hire purchases for business purchases. We find loans from over 25 of Australia’s top lenders, fighting to give you the best deal possible. Bad credit? Trust Savvy.

See how Savvy can help you with your bad credit loan

We use our extensive experience in bad credit car loans to help you gain approval. You get a personalised consultant from start to finish.

Competitive rates
Even with bad credit, we can find you competitive sub-prime rates that suit your budget.
Get approved
Other lenders say no, we say yes. Our consultants work to find a pathway to bad credit loan approval.
A range of options
We offer a range of personal loans, car loans, insurance and mortgages; we have you covered.
Bad credit specialists
We’ve helped dozens of Australians find bad credit car loans, mortgages, and more.
Personalised attention
Our consultants get to know your situation to find flexible bad credit loans for cars, homes and more.
No Obligation
Chat or speak to us – there’s no pressure to apply. Our consultants are here to help.

Our range of bad credit loan options

We help you compare dozens of bad credit loans so you can save as much as possible.


Get into the car you need for commuting or for the family with Savvy. We help you find a competitive car loan, even if you have bad credit from over 25 of Australia’s most trusted lenders. 9 out of 10 applicants are approved.

Maximise your holidays, even with bad credit. We can help you get loans for all leisure vehicles such as caravans, camper trailers, boats, jet-skis and more. You can even get finance pre-approval for extra leverage in buying.

If your business has been rejected for bad credit finance by the top end of town, Savvy can help. We can find the most competitive chattel mortgages and hire purchases for vehicles, equipment, and more.

Own your piece of the Australian dream, even if you have bad credit. Our consultants work with you to find a home loan that suits your circumstances, even if you have poor credit. Break free from the rental trap with Savvy.

Personal loans with the personal touch – that’s the Savvy guarantee. Our consultants treat you with our silver service, helping you through every step. If you have bad credit, choose Savvy, the friendly personal loan brokers.

Sometimes bad credit can also affect your insurance – which is also given a rating. We can help you find the right premium from a wide range of top insurers. Get peace of mind without the added costs.