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Rent to Own Cars with
Bad Credit in Melbourne

Your Stress-Free Path to Car Ownership Starts Here​

For more locals in Melbourne, having a car is no longer a luxury but a necessity. However, conventional car financing options seem to be elusive due to strict approval criteria, such as good credit history, tedious paperwork and high interest rates. These features make the dream of driving a car a negative experience for drivers with a bad credit history.

This is where I Rent To Own gives you an opportunity to rent to own cars with bad credit in Melbourne. Unlike conventional loans, it doesn’t use your credit score to approve you. Rather, it lays emphasis on your capacity to make regular payments. With quick approvals, minimal requirements, and different types of vehicles to choose from, the residents of Melbourne can now have rent to own cars with low credit without having to encounter financial bottlenecks. Car ownership is now made more accessible with I Rent To Own.

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An Easy Process to Own your Car with I Rent To Own

1. Apply within Minutes

Our online application is fast, and it can be completed within several minutes. Upload your paperwork, make your choices, and you are halfway there without ever going to queues or having to deal with brokers.

2. Choose a Car

Whether you want to get a compact Sedan or a roomy SUV, you will also get a variety of road-ready, well-maintained vehicles in Melbourne. Just decide on the one that suits your lifestyle and pocket.

3. Flexible Terms

Select flexible payment options that align with your weekly or fortnightly salary cycle. No strict contracts. Just plain simple terms that are made to fit around your comfort zone, so far as financial terms are concerned.

4. Drive Now, Pay Later

After it is approved, you can be hitting the road in no time. Start driving as you pay in installments, there is no upfront pressure and no huge deposits. It is simply a matter of putting you back online with the least possible trouble.

5. Build Your Credit As You Go

Rent to own car program not only assists you with getting a car, but it also assists with restoring your credit history. Pay on time, and you might find your credit rating going up, and in the future, access to more money.

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How Does Rent to Own Cars, No Deposit Program Work?

Past credit problems should not be an obstacle. Therefore, I Rent To Own helps you easily get behind the wheel. Our rent-to-own program is the best option for Melbourne drivers with poor credit ratings. Here, learn how it works.

No Credit Check

Concerned about your credit score? Don’t be. At I Rent To Own, we don’t use conventional credit checks in our approval procedure, but rather concentrate on your present capacity to pay. Even after defaults, missed payments or no credit history, you can apply.

Simple Documentation

Customers don’t have to deal with a lot of paperwork. You only require simple records such as your ID, a valid driver’s license, income evidence and address. We love to be simple so that you can spend less time on administration and more time on the road.

Low Entry Cost

No more high deposits. Rent-to-own is generally reasonably priced with a minimal set-up fee, compared to a traditional auto loan or dealer financing package.

One-in-one Pricing

Get the confidence of transparent upfront prices, including registration, insurance options, and maintenance in certain instances. No hidden charges! Get your rent to own car in Melbourne with bad credit . 

Weekly Plans That Fit Your Budget

When you are aware of what is due each week, it’s easier to budget. Our payment plans cater to the working Australians, be it the ones on Centrelink, casual work or self-employed in Melbourne.

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Eligibility Requirements

More Than 21 years

To be eligible for a rent-to-own vehicle contract, you must be 21 years old.

Valid Driver’s License

It requires a valid Australian driver’s licence, both provisional and full.

Job or Centrelink Proof of Income

We do not mind employment or Centrelink income. All you need to do is demonstrate that you possess a constant source of funds.

Low Deposit Fee

You only require a small initial payment to take possession of your car. I Rent To Own offers flexible rent to own cars even with bad credit and no deposit.

Stable Living Arrangement

If you are renting or living with family, we need a stable address of residence to use in your application.

Benefits of Rent-to-Own with Bad Credit

I Rent To Own doesn’t close the door on you due to your financial history like traditional lenders do. Our rent to own car model is made to suit real people in real life situations, and it has many advantages;

More Than 21 Years

Stop worrying about being rejected due to your credit report. Your affordability is what we care about.

Insurance & Registration Included

Most of our packages cover registrations and insurance, and you don’t need to worry about them.

Immediate Car Access

After approval, drive off. We maintain everything quick, easy and hassle-free.

Return Option Available

A return option is available, allowing you to avoid the long-term consequences of defaulting on a finance contract. If your circumstances change, you can simply return the car without the financial burden.

Flexibility for Financial Ups and Downs

We know that life happens. There are flexible payment plans that are offered to keep you on track.

Build Credit Through Consistent Payments

Pay on time and keep your financial record clean in the long run.
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Explore Our Car Rental
Collection in Melbourne

Select one of the many vehicles available to meet your needs, be it a daily commuter
or a road trip in Victoria. From fuel-saving hatchbacks to sleek sedans, durable SUVs, and
rugged 4x4s, we offer flexible options available on a daily and weekly basis.

Why Choose I Rent To Own?

We’re experts at assisting Australians with bad credit to drive away without the fuss.
Ready to move on–be it car ownership that is simple, fast, and suiting your circumstances. Our local Melbourne team is ready to assist you at every step.

What Makes Us Different?

  • No finance challenges
  • Friendly team
  • Fast, easy approvals
  • Flexible Payment terms
  • Trusted in Melbourne

I Rent To Own does not simply provide you with a car; it gives you your independence back. No judgment, no roadblocks, just professionals helping real Aussies on their way with rent to own cars on Centrelink approval. Make the turn that hundreds of Melbourne families have made with us!

Frequently Asked Questions

Will I Be Approved With Bad Credit?
Yes! Your credit history does not count for your approval. Our plans are based on your ability to pay weekly payments.
Your requirements for rent to own car include a driver’s licence, evidence of income (such as payslips or Centrelink statements), evidence of address and a small deposit.
It depends on the vehicle, but it is much lower than conventional car finance deposits.
Absolutely. We design our plans with weekly or fortnightly payments that suit your income cycle.
Yes! After making all the payments, the vehicle becomes completely yours, no surprises, no hidden fees.
Yes, most of our clients do opt to upgrade during or after their term. Discuss with our staff what you can do.