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Subject to verification, suitability and affordability Vehicle Finance. How it works. If you’ve been declined for a car loan in the past because of bad credit you’ve come to the right place. We are experts at getting low interest loans for bad credit approved no matter how bad your credit history is. Checking your credit score can allow you to start the process with realistic expectations. They are equipped to get you the loan you need, regardless of your credit history. We have customers across Australia who come back to us for secured car loans ranging from $5,000 – $24,000 to purchase or refinance their dream vehicle. You may be able to trade in a vehicle to put money towards your bad credit auto loan. My Navy Federal Credit Union bank offers auto loan with 4. 3. Step 1: Visit the BHPH Lot Customers who want to buy a car with bad credit can approach dealers who offer this service directly. 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