💰 Can You Really Get Car Finance with Centrelink and Part-Time Work?
Yes — but it depends on how much you earn, which Centrelink payments you receive, and whether you’re renting or living with family.
Many Australians working part-time (while receiving Centrelink support like Parenting Payment, Disability Support Pension, or Youth Allowance) are still eligible for car finance — especially if their income is consistent and they can show responsible money management.
If you're renting, it may reduce your borrowing capacity slightly — but you’re not ruled out.
👉 Check your eligibility in 60 seconds
✅ What Lenders Look At in These Cases
You don’t need to have a full-time job to get a car loan. But lenders will assess:
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How much of your income is from Centrelink vs part-time wages
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Your bank statements — are you managing expenses well?
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Whether your rent or other debts eat up too much of your income
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Credit history — even if it’s thin, it should be clean
🧾 You Might Not Even Need Bank Statements
If your income is split between payslips and Centrelink, and your rent is paid through Centrepay or similar, you might qualify under a low-doc option.
👉 Can I Get a Car Loan Without Bank Statements?
If you're also running a side hustle or casual ABN income, look into:
👉 Small Business Car Loans
🧠 How to Improve Your Chances
If you're on Centrelink and working part-time:
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Keep your bank account stable — no overdrafts or gambling debits
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Provide a rental ledger if renting
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Lower your Buy Now Pay Later or credit card usage
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Avoid applying for too many loans at once
You’ll also have better odds if your job is long-term casual or regular part-time.
🏡 Renting on Centrelink?
Some lenders are cautious when applicants are both:
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On Centrelink, and
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Renting, and
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Working casually
But if you’ve got a solid income pattern and low expenses, you’re still in the game. Learn more about approval strategies:
👉 Can Renters Get Car Finance in Australia?
🔄 Recently Changed Jobs?
No problem — if you’re now working part-time but previously had a stable job, lenders may accept this as a continuation of your employment history.
👉 Car Loans for Australians Who’ve Just Changed Jobs
🚀 Yes, You Still Have Options
Car finance is still possible if you’re on Centrelink and working part-time — especially if you can show:
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Regular income
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Low liabilities
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Responsible money handling
👉 Apply now to see if you qualify
DISCLAIMER
The information provided on this website is general in nature only and has been prepared without considering your financial needs, circumstances and objectives and should NOT be construed as financial, taxation or legal advice. For more information, get in touch with our experienced partner brokers today.
