Bad credit car leasing
Bad credit car leasing in Brisbane
If a bank or dealership has knocked you back, you could still be approved for a Carzie lease in Brisbane. Our online application checks your eligibility with a soft credit check that never touches your file, and we weigh your income and employment today rather than a credit score from years ago.
If rejected for a car loan, you could still be approved for a car lease
Most car loan lenders need a strong credit history and a large deposit before they will say yes, so a low score or a past default is often an automatic decline. A Carzie lease works differently: approval depends on what you can afford today, backed by GPS tracking on every vehicle. With Carzie you can expect:
Fixed weekly payments
Know exactly what you're paying every week: the same amount for the life of your lease, with no surprises.
Registration and insurance included
Your one weekly payment already covers vehicle registration and comprehensive insurance, with nothing extra to arrange for those two costs.
No large deposit
There's no lump-sum deposit. You pay your first two weeks of lease payments when you collect your car, then your regular weekly payment continues.
Build a track record
Make steady weekly payments and work towards owning the car you've been driving at the end of your lease.
Find a car you love, and check your eligibility
You do not need a clean credit file to qualify for a Carzie lease. Most approved applicants fall into one of three groups: in steady employment, earning a steady income including Centrelink, or working on rebuilding their credit after a setback.
In steady employment
Full-time, part-time, self-employed or on a contract, as long as the income is steady and ongoing.
Earning an income, including Centrelink
Wages, Centrelink payments and pensions all count, provided they are steady and ongoing.
Rebuilding your credit
A default, a missed payment or a low credit score does not automatically rule you out: we weigh it against your income and expenses today.
What actually rules you out?
This does not automatically rule you out. If your defaults are settled and you have been employed for more than two months, or you have steady regular income, we weigh that against your expenses today rather than leading with a credit score cut-off.
What does our bad credit car leasing process look like?
A Carzie lease runs for three to four years on one fixed weekly payment, suited to commuting, family life or getting to a new job. We assess self-employed, casual and steady wage income the same way: on your situation today, not a credit check from years ago. Here is what to expect:
Choose your vehicle
Browse our available cars, decide on a weekly payment that suits your budget, choose a lease term and apply.
Apply online
Answer a few questions about your income, expenses and address history. It takes about five minutes and starts with a soft credit check that never affects your score.
~5 minutes
Verification and approval
We verify your identity through APLYiD and review around 90 days of bank statements through CreditSense to see what you can comfortably afford.
~10 minutes
Collect your car
Once approved, we'll arrange handover at our Slacks Creek workshop. Most approved customers collect within one to three business days.
1 to 3 business days
What will my application ask for?
- Your income and everyday expenses
- Your employment details, or your Centrelink or pension details
- Your driver licence and any driving history in the past 3 years
- Any current or discharged bankruptcy or court judgement
- A fixed residential address and a mobile phone we can reach you on
Local and on your side
Why GPS makes approval possible in Brisbane
A traditional car loan lender has no way to recover the car if repayments stop, so a low credit score or a past default is often an automatic decline. Every Carzie vehicle is GPS-tracked and fitted with a remote immobiliser, and that is a condition of approval, not an inconvenience.
That security is why we can look past a knocked-about credit file and assess Brisbane applicants on their income and expenses today. Your car is prepared and handed over from our Slacks Creek workshop, a short drive from Logan, Ipswich, Moreton Bay and the Redlands.
Cally Robertson
Verified Google review
“I picked up my car yesterday and I am in love the application process was easy and they helped me all the way though it and I was approved within a day I would recommend carzie to everyone that needs a car”
in the last week
Josh Glenn
Verified Google review
“Very good car leasing, we are very happy with our new SUV. the customer service was great and the process was straightforward and completely explained along the way. Highly recommended.”
in the last week
Tony
Verified Google review
“Really easy from start to finish from start of finance to collecting car was awesome”
Samara
Verified Google review
“The Guys at Carzie are so helpful polite and efficient. From approval to delivery of my vehicle all within days. They give top tier service and cars!! highly recommend”
John
Verified Google review
“Simple process and excellent friendly service with a great choice of vehicles and ongoing support.. highly recommended”
Alex
Verified Google review
“Wow what can a say… the experience was phenomenal its was that straight forward i was shocked myself, Chris & Pete were awesome picked up my new ride within couple of days thats because I was on the road truck driver but it was easy process thanks again guy”
Ready when you are
Don't worry about bad credit. Worry about what car you'd love to drive.
Ready to get behind the wheel? Applying takes about five minutes and starts with a soft credit check that never touches your file.
Frequently asked questions
Yes. Being declined elsewhere does not rule you out here. We assess your income and expenses today rather than leading with a credit score cut-off, and Greater Brisbane applicants, from the CBD through to Logan, Ipswich, Moreton Bay and the Redlands, go through the same soft credit check as anyone else in our South-East Queensland service area.