2 & 4-year consumer leases

Car Leasing in Australia

Been declined for a car loan? Explore another way to access a vehicle with CarCoop. Whether you have bad credit, no credit history, are self-employed or work casually, CarCoop offers 2-year and 4-year consumer lease options for eligible Australians. Explore available vehicles, review your weekly payments and understand what’s included before you commit. No traditional credit check is required, but eligibility and affordability assessments apply.

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Customer Served
500 +
Late Model Vehicles
0 +
From Per Week*
$ 0

No Credit Check

Required

Approval Rate For Eligible Customers
0 %

Since 2019

Helping Australians

Choose your term

2-year or 4-year car leasing

Whether you need a shorter 2-year term or a longer 4-year arrangement, CarCoop gives you another way to access a vehicle without a traditional car loan.

2-Year Option

2-year short term car leasing options

Looking for a shorter commitment? CarCoop’s 2-year car leasing option gives eligible customers a structured vehicle arrangement, with the available lease term depending on the vehicle selected.

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4-Year Long-Term Car Leasing Options

If you’re looking for a long-term car lease, CarCoop’s 4-year option is the most common choice and provides access to a wider range of vehicles, including newer models, with predictable weekly payments.

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Explore available vehicles for your approved budget.

SMALL CAR

Suzuki Baleno or similar

from $199 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. 

MID SIZE

MG 5 or similar

from $219 per week*

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. 

FAMILY SIZE

MG ZS or similar

from $239 per week*

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. 

SUV

LDV D90 or similar

from $249 per week*

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. 

VIEW ALL CARS
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how it works

How Does Car Leasing Work in Australia?

Car leasing allows you to use a vehicle for an agreed period while making regular payments under a lease agreement.

With CarCoop, the leasing process is designed around affordability and practical vehicle access. Instead of applying for a traditional car loan, eligible customers enter into a consumer lease with agreed terms and weekly payments.

The process starts with an online pre-qualification. As part of the car lease requirements, CarCoop considers information such as your income and ability to manage the payments when assessing your application.

Once approved, you can explore available vehicles that suit your needs and approved budget.

Your agreement will explain the payment amount, term, inclusions and responsibilities before you proceed, so you know what you are committing to.

Important information

CarCoop’s product is a consumer lease, not a hire purchase or credit contract. Customers do not own the vehicle during the lease term and do not have a right or option to purchase it during that term. At the end of the lease, you may have the option to purchase the vehicle, subject to CarCoop approval. Purchase is not guaranteed.

Eligibility

Who Can Apply for a CarCoop Consumer Lease?

CarCoop is designed for Australians who may not fit neatly into the traditional car finance process.

You may be able to apply if you:

  • Have a regular source of income, are casually employed, or are self-employed.
  • Have a limited or poor credit history.
  • Have previously been declined for traditional car finance.
  • Prefer predictable weekly vehicle payments for easier budgeting.

Eligibility depends on your circumstances, income and ability to manage the agreed payments. Meeting these criteria does not guarantee approval.

YOUR CURRENT CIRCUMSTANCES

Car Leasing Without a Traditional Credit Check

A limited credit history or previous finance rejection can make finding a vehicle more challenging. However, traditional car finance is not the only way to explore vehicle access.

CarCoop does not require a traditional credit check for its consumer lease application process. Instead, the assessment considers your current circumstances and ability to manage the agreed payments.

This may provide another option for eligible Australians who have struggled with traditional lenders. A traditional credit check is not required, but approval is not automatic. CarCoop still assesses eligibility, income and affordability before entering into an agreement.

What's included

What's Included With a CarCoop Lease?

A CarCoop lease can include key vehicle costs and services, making it easier to budget and enjoy a hassle-free driving experience.

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Vehicle Registration

Registration is included for the applicable lease period, subject to your agreement.

Vehicle Insurance

CTP and comprehensive insurance may be included, subject to your lease agreement.

Scheduled Servicing

Scheduled servicing may be included under the terms of your lease.

Roadside Assistance

Roadside assistance may be included, subject to the applicable agreement.

Exact inclusions and responsibilities are set out in your individual agreement.

Leasing or subscription?

Car leasing vs CarCoop Subscribe

Prefer a shorter commitment? CarCoop also offers car subscription options, giving eligible customers another way to access a vehicle without committing to a 2-year or 4-year lease.

Car Leasing

Term
2 or 4 years

Suited to
Longer-term vehicle access with fixed weekly payments

How to start
Pre-qualify online in about 60 seconds

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CarCoop Subscribe

Term
Minimum 3 months, renewable for up to 12 months

Suited to
Short- to medium-term vehicle access

How to start
Apply online for CarCoop Subscribe and choose your vehicle once eligible.

Explore CarCoop Subscribe

why choose us

Why Explore Car Leasing With CarCoop?

CarCoop offers eligible Australians a consumer lease option designed around agreed terms, vehicle access and an assessment of individual circumstances.

  • Two lease durations: Compare CarCoop’s 2-year and 4-year consumer lease options.
  • A defined application process: Begin with online pre-qualification before exploring available vehicles.
  • Payments and inclusions explained: Review the agreed weekly payments, applicable costs and included services before committing.
  • A separate shorter-term option: Compare a consumer lease with CarCoop Subscribe if you need a shorter commitment.
  • Clear agreement conditions: Understand your responsibilities and the end-of-lease arrangements before signing.

Eligibility, vehicle availability and inclusions depend on the applicable agreement.

Over 5,000 Customers Served and Counting

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areas we service

Explore Car Leasing in Your Area

Looking for car leasing near you? CarCoop offers consumer lease options for eligible Australians, with local support across key locations. Explore our city pages to learn more about the available options and vehicle collection process in your area.

SYDNEY

Explore Sydney

MELBOURNE

Explore Melbourne

BRISBANE

Explore Brisbane

ADELAIDE

Explore Adelaide

SYDNEY

Explore Sydney

MELBOURNE

Explore Melbourne

BRISBANE

Explore Brisbane

ADELAIDE

Explore Adelaide

Ready to explore car leasing in Australia?

Take the first step towards finding a vehicle that suits your needs.

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Frequently Asked Questions

A consumer lease lets you use a vehicle without owning it during the lease term. Hire purchase typically allows you to purchase the vehicle through instalments. CarCoop offers consumer leases, with an option to purchase at the end subject to approval. Purchase is not guaranteed.

We require two recent payslips and 90 days of bank statements as part of the application requirements. Centrelink statements may also be requested where applicable. Self-employed applicants should confirm the supporting documents required for their circumstances.

No. CarCoop offers a consumer lease, which is different from a traditional car loan, hire purchase or credit contract. The agreement sets out the terms for using the vehicle and making payments.

You may be eligible to apply if you have a limited or poor credit history. CarCoop assesses your current circumstances, income and affordability, and approval is not guaranteed.

CarCoop services selected areas across QLD, VIC, NSW and SA. Our service area generally extends around 100–150 km from our offices, depending on your location. If you’re unsure whether we can assist in your area, contact our team to confirm your eligibility before starting your application.

Once eligible, you can explore available vehicles that suit your needs and approved budget. Your choice depends on vehicle availability and the applicable approval process.

At the end of your lease, you may be able to return the vehicle, upgrade to another vehicle or request an option to purchase, subject to CarCoop’s approval and the terms of your agreement. Purchasing the vehicle is not guaranteed, so check your agreement for the applicable conditions.

Yes. Our car lease options include a kilometre allowance of 60,000 km over a 2-year lease or 120,000 km over a 4-year lease. If you exceed your allocated allowance, an excess kilometre charge of $0.17 per kilometre applies. Please check your lease agreement to confirm the applicable limits and charges.

You may be eligible for a CarCoop consumer lease even if a bank declined your car loan. Eligibility and affordability assessments still apply.

Still have questions? Get in contact with our team on 1300 614 299 option 2 or team@carcoopsubscribe.com.au

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

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AFCA Membership: 88729
ABN:  22 634 044 321
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Adelaide SA, 5000 Australia

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