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
Becky Ovini
Verified Google review
“Daniel and the team made the whole process go smoothly as possible. I would highly recommend Carzie, great communication between the team and myself during the whole process. Thank you for a great experience ☺️”
a week ago
Francesca Davis
Verified Google review
“I had a fantastic experience purchasing my new car from this company. The whole application process was smooth,easy and stress free from start to finish. A special thank you to David and Brandon who went above and beyond throughout the entire process and especially during the pick up of my new car 😀 They were both professional, helpful, friendly and make the whole experience so enjoyable. Their excellent customer service made a big difference and I'm very happy with my 😀🚗 I would highly recommend this company to anyone looking to purchase a car. Thank you David and Brandon for making my experience a great one☺️”
a week ago
Muri Aroha Kingi
Verified Google review
“Worked with Daniel over the last few days!! A huge thank you for your service and explaining the entire process from start to finish 🥳 Appreciate your support throught out the week Daniel!!”
a month ago
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”
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.