Bad Credit Car Leasing
Bad Credit Car Leasing on the Gold Coast
Turned down by a bank or dealership on the Gold Coast? You could still be approved for a Carzie car lease. Our online application uses a soft credit check that never touches your file and assesses your income and employment today, rather than a credit score from years ago. Our lease options are built for Gold Coast drivers, offering fixed weekly payments and no large deposits. We help people who need a car lease but have bad credit, a low credit score, past declines from traditional lenders, or income from steady employment or Centrelink. Start your new car journey with Carzie below:
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; we focus on what you can comfortably afford and find you the best options. 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 settled 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 may impact your application?
Outstanding or new defaults will likely lead to a decline. However, 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 and overall suitability.
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 if you've recently moved to the Gold Coast. We assess self-employed, casual and steady wage income the same way, focusing 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 you including your current situation and driving history. It takes about five minutes and allows us to confirm, with a soft check, if you're eligible for the car you've selected.
~5 minutes
Verification and approval
We verify your identity through secure, encrypted platforms, this includes APLYiD to verify your ID and CreditSense to receive your 90 days of bank statements to see what you can comfortably afford.
~10 minutes
Collect your car
If you are approved, we'll arrange handover of your new car at our Slacks Creek dealership. Most approved customers collect within one to three business days, depending on availability.
1 to 3 business days
What will my application ask for?
- Applicant details include name and contact information
- Your address history
- Employment history or Centrelink/pension details
- Your driver’s licence and driving history in the past 3 years
- Any current or discharged bankruptcy or court judgements
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, a decline elsewhere does not carry over here. We run our own assessment on your income and expenses today, and Gold Coast applicants from Southport to Coomera go through the same soft credit check as anyone else in our service area.