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David H.
David H.
Barooga, NSW

I am a discharged bankrupt and my wife is here on a spouse visa. Despite being advised otherwise we are still having trouble getting finance for a car that my wife needs to get to work. What are our options?

5 years ago


Dear David,
let's take a look at this for you and see if we can uncover your issue...

When were you discharged from your bankruptcy?
What do you do for a living now?
What is your annual income?
Do you have any other debts?

How much is the car you want to buy?
Are you buying it privately or through a dealer?
How old is the car you want to buy?
What is the make and model of the car you want to buy?
Do you have a deposit for the car purchase?

Have you any other defaults or judgments on your credit report since declaring bankruptcy?
How many times have you applied for finance in the last 6 months and 12 months?
Have you ever applied (in the last five years) for finance with a 'payday' lender? (like cash converters, nimble etc.)

If you can answer these questions here, it might become clearer why you have been knocked back for finance.
And, it might help others understand a little more about getting a loan...
If you prefer, look up my profile and contact me directly.

Thanks David,


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