Flexible Rent-to-Own Cars* From $199 Per Week*

Experience a hassle-free way to drive with one of Australia’s leading vehicle subscription providers. Choose from more than 200 late-model vehicles and get on the road quickly with flexible terms and coverage across major cities throughout Australia. Start driving today with a plan that suits your lifestyle and budget.

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Helping credit-challenged Australians get back on the road with flexible vehicle solutions. 

  • No credit checks required
  • 200+ late-model cars to choose from
  • 95% approval rate for eligible applicants
  • Own your car in just 2 or 4 years*
  • Low deposit for all makes & models
  • Fixed payments cover insurance & registration
  • Includes annual scheduled servicing
  • Free roadside assistance

Over

95%

OF ELIGIBLE APPLICANTS ARE APPROVED

No Credit Checks

Bad credit history? No problem! CarCoop understands tough times happen so we try to make life easier for you.

Fixed Term From 2 Years

You won't find any 5-year car loans here. With CarCoop you can own your car in just 2 or up to 4 years only*, plus there are options to upgrade or return your vehicle.

Packaged Solutions

We include 1 year of Scheduled Servicing, Insurance, Roadside Assistance and Registration for the length of the agreement.

*Available for both new car subscription and new 2-year rent-to-own contracts only. Note: minimum fixed weekly repayments required, and TCV for a 3-month car subscription is $2,858.00 and/or equivalent to $34.00 per day over the term. T&C’s apply. Subject to approval. Offer ends 8/10/2026. 

See Available Cars You Can Get This Week

SMALL CAR

Suzuki Baleno or similar

from $199 per week*

MID SIZE

MG 5 or similar

from $219 per week*

FAMILY SIZE

MG ZS or similar

from $239 per week*

SUV

LDV D90 or similar

from $249 per week*

Upfront Payment: $789

4 Year Contract: 207 Weeks x $199

All prices include 4 years of registration, CTP insurance, roadside assistance, and 1 annual scheduled servicing. 

Upfront Payment: $809

4 Year Contract: 207 Weeks x $219

All prices include 4 years of registration, CTP insurance, roadside assistance, and 1 annual scheduled servicing. 

Upfront Payment: $829

4 Year Contract: 207 Weeks x $239

All prices include 4 years of registration, CTP insurance, roadside assistance, and 1 annual scheduled servicing. 

Upfront Payment: $839

4 Year Contract: 207 Weeks x $249

All prices include 4 years of registration, CTP insurance, roadside assistance, and 1 annual scheduled servicing. 

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This repayment calculator only gives you an estimate of what your weekly repayments could be. This is to be used as a guide only and does not constitute a quote, pre-qualification, or approval. All cars are subject to affordability and the cars’ model/make (car condition and outright pricing).

What Are Rent-to-Own Cars?*

Rent-to-own cars* provide an alternative way to get on the road when traditional finance isn’t an option.

Instead of applying for a bank loan, you enter into a simple consumer lease with predictable weekly payments that include many of the costs of running a vehicle, making budgeting easier.

At the end of your agreement, you may request a transfer of vehicle ownership. Any transfer is subject to CarCoop’s sole discretion and approval and is not guaranteed.*

This makes it easier for drivers with bad or limited credit to access reliable transport and get back on the road sooner.

CarCoop offers vehicle subscription programs across major Australian cities, including Melbourne, Sydney, Brisbane and Adelaide, helping eligible customers access quality vehicles without the barriers of traditional finance.

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How Do Rent to Own Cars* Work in Australia?

Getting started with rent-to-own vehicle* through CarCoop follows a clear, guided process designed to keep things simple — even if you’ve never gone through vehicle finance before. If you’d like to explore your options first, you can also browse our available rent-to-own cars* to see vehicles currently available for allocation.

  • Apply Online: Fill out the application form outlining your income, employment, and living situation.
  • Suitability Review: Assessments focus on current affordability rather than past credit outcomes.
  • Vehicle Allocation: Approved customers are matched with available vehicles suited to their needs and budget.
  • Structured Weekly Payments: Consistent payments make budgeting more manageable.
  • Ownership Transition: Once all payments are completed, the vehicle ownership transfer process begins.*

You can also pre-qualify in 60 seconds for an early eligibility indication before proceeding.

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Who Qualifies for Rent to Own Cars?*

Our rent to own cars programs* are commonly used by people who:

  • Have bad or limited credit history
  • Have been declined for traditional car finance
  • Are casually employed or newly self-employed
  • Need a car quickly for work or family commitments
  • Prefer predictable weekly payments for budgeting

If your situation doesn’t fit within a bank’s checklist, our rent-to-own pathway may provide a more realistic alternative. You can check your eligibility to see if you qualify and take the next step toward securing a vehicle.

Why Choose Us

We understand that choosing a vehicle program is a long-term decision. That’s why our focus stays on clarity, structure, and ongoing support rather than quick approvals or unrealistic promises.

Our vehicle options are part of our structured rent-to-own car programs*, designed to make car access more manageable. Terms, responsibilities, and weekly payment structures are explained upfront so customers understand their commitments before entering an agreement.

We aim to keep the experience straightforward by:

  • Outlining program inclusions clearly
  • Providing upfront cost visibility
  • Explaining payment structures early
  • Maintaining consistent communication throughout the term
  • Supporting customers from application through to ownership transition*

If you’re ready to explore a more accessible vehicle solution, our team is here to guide you through the process. Enquire now or submit your application via email at applications@carcoop.com.au

Frequently Asked Questions

You’ll need to demonstrate stable income, the ability to manage weekly payments, and meet basic identification and residency checks. Assessments focus on current affordability rather than past credit history.

Commonly requested documents include a P1 driver’s licence or higher, proof of income, 90 days of bank statements, and your two most recent payslips. You’ll also need 100 points of ID — typically a primary document (passport or birth certificate) plus secondary ID like a Medicare card or driver’s licence.

A small upfront deposit starting from $689 is typically required to commence the program. The exact amount will depend on the vehicle and agreement structure. All initial costs and payment details are explained during the approval process so you can make an informed decision before proceeding.

Payments typically cover vehicle use plus bundled costs such as registration, insurance, roadside assistance and scheduled servicing.

Vehicle allocation is based on availability, suitability, and affordability. Our team will present options that align with your needs and approved budget range.

If a payment is missed, it’s important to contact our team immediately. We’ll discuss the situation and outline available next steps based on your agreement terms.

Program runs for 2 and 4 year terms, depending on the vehicle and payment structure. The full timeframe is explained before agreement commencement.

Servicing and scheduled maintenance responsibilities are outlined within your agreement, with support provided to help keep the vehicle roadworthy throughout the program.

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*CarCoop’s product is a consumer lease, not a hire purchase or credit contract. Customers do not own, and do not have a right or option to purchase, the vehicle at any time during the lease term. Upon completion of the lease term, or earlier at CarCoop’s discretion, a customer may request a transfer of vehicle ownership. Any such transfer is subject to CarCoop’s sole discretion and approval, and is not guaranteed.

© 2026 CarCoop Pty Ltd
CarCoop Pty Ltd is a credit representative of
M & CM Pty Ltd

Australian Credit Licence 392330
AFCA Membership: 88729
ABN: 22 634 044 321
Level 1, 104 Frome Street
Adelaide SA, 5000 Australia

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