Who we help
People in a debt agreement who need a car to keep earning
That's the whole audience. Not people looking to consolidate, not people shopping for the sharpest rate on the market, and not people who want advice about their agreement. Just people whose transport is the thing standing between them and the income that gets them out of this.
What your stress is saying
“I'm probably not the kind of person they mean.”
What's actually true
This is a niche site, and you're the niche.
By the way you're paid
Lenders don't just look at how much you earn. They look at how predictable it is and how easily you can prove it. That varies enormously by occupation, so each guide covers one kind of work rather than repeating general advice.
Who we honestly can't help
Worth saying up front rather than after you've spent twenty minutes on it:
- Anyone under 18, or not an Australian citizen or permanent residentA regulated credit contract can't legally be written. This is the only genuine hard stop in the form.
- Anyone wanting advice about their debt agreementEntering, varying or ending an agreement is a debt management service requiring a licence authorisation we don't hold. Your administrator or a free financial counsellor is the right call.
- Anyone looking to consolidate debts inside the agreementIt isn't a thing a broker can do. Debts covered by your agreement are dealt with through the agreement.
- Anyone wanting something removed from their credit fileCredit repair is also a licensed debt management service. Be wary of anyone who offers it for a fee.
- Anyone not currently earningWithout income there's no lender on any panel who will write a loan, and pretending otherwise wastes your time.
The rule most people find out too late
Above $7,457, you must tell the lender you're in a debt agreement
Under section 269 of the Bankruptcy Act 1966, while you are in a debt agreement you must disclose that fact before obtaining credit above $7,457. This is not a lender policy or a preference. Failing to do it is a criminal offence and serious penalties apply.
In practice it is paperwork rather than an obstacle. A lender who writes in this space expects it and it does not, by itself, cause a decline. The risk is not the disclosure. It is going to a lender who never asks, never records it, and leaves you exposed. We raise it as a matter of course.
Figures current at 17 August 2026. AFSA reindexes 20 March and 20 September. Source: AFSA indexed amounts.
During, just after, or well after: three different answers
Where you sit relative to your agreement changes the lender panel more than anything else about you. Whatever your occupation, this is the shape of it:
- Still in the agreementThe smallest panel. A handful of specialist lenders write here, and they want agreement payments up to date, no new defaults since it started, and stable income. The s269 disclosure applies above $7,457.
- Recently completedA noticeably wider panel, and the moment most worth checking. It is common for someone declined a year earlier to be approved shortly after completion with nothing else in their life having changed. Make sure the completion is formally recorded before applying.
- Completed more than 12 months agoWider again, with better pricing available. The agreement may still appear on your credit file. AFSA's guidance is up to five years, and longer in some cases. A year of clean conduct behind you changes how it is read.
What this site does, and what nobody here can do
This site can
- Explain how lenders read a debt agreement
- Pass your enquiry to Simple Loans, who arrange the finance
- Tell you plainly when the answer is “not yet”
Nobody here can
- Provide credit, or credit assistance, from this website
- Advise you to enter, change or end an agreement
- Negotiate with your creditors or administrator
- Remove or dispute anything on your credit file
This website provides information only. Advising on an agreement, negotiating with creditors and fixing credit files are debt management services, which require a credit licence authorisation Simple Loans does not hold. For help with the agreement itself, speak to your registered administrator, or the National Debt Helpline on 1800 007 007 which is free, independent, and not selling anything. There is also a plain-English explainer here.