● No credit check to apply ● 2 minute form ● Instant indicative quote

Get Your Rent-to-Own
Pre-Approval Online

No credit file impact. Simply answer a few quick questions and we’ll show you estimated weekly repayments and whether you’re likely to qualify – before anyone picks up a phone.

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500+ clients funded

No credit check to enquire

Bad credit welcome

24hr approvals

Our online rent-to-own pre-approval takes about 2 minutes and gives you an indicative result and estimated weekly repayments before anyone checks your credit file. Designed specifically for ABN holders with bad credit, defaults, or previous declines

Online Pre-Approval | Rent-to-Own Finance | Bloom Financial Services
Step 1 of 4 – Credit Profile 0% complete
Step 1 – Credit Profile
Tick everything that applies to your credit history. Be honest – this helps us find the right solution. No credit check at this stage.
Clean credit history – no issues
No defaults, no missed payments, no credit concerns
Finance defaults
Previous default listed on a finance or loan product
Telco or utility defaults
Default listed from a phone, internet or utility provider
Poor repayment history
History of late or missed repayments on credit products
Low credit score
You know or suspect your credit score is low
Current or discharged bankruptcy
Currently bankrupt or previously discharged from bankruptcy
Criminal convictions
Relevant criminal history
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Rent-to-own may not be your cheapest option. With clean credit you could qualify for standard finance at lower rates. Call us on 0435 782 111 – we will find the most cost-effective solution for your situation.
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Unfortunately we are unable to assist with applications involving criminal convictions. This is a firm requirement across all of our lender partners.
Step 2 – Asset and Deal Details
Tell us about the vehicle or machinery you want to finance and the deposit you have available.
Car / Ute / Van
Prime Mover
Other Truck
Excavator
Other Machinery
Trailer
Enter the total price in dollars
Select the deposit you have ready as cash. Higher deposit = stronger application.
20%Minimum
30%Standard
40%Strong
50%Excellent
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Have additional security instead of a cash deposit – for example a vehicle or machine you own outright? Call us on 0435 782 111 to discuss. We may still be able to help.
Adding a vehicle or machine for business growth
Replacing an existing asset
Starting a new business
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New ABN? To support your application you will need to demonstrate you have work lined up. Do you have a signed contract or letter of engagement available?
Yes – I have a signed contract or letter
Not yet – work is verbal or informal
Step 3 – Your Business and Personal Details
This helps us understand your ability to service the repayments. All information is kept strictly confidential.
Road transport – long haul
Road transport – short haul
Earthmoving
Construction
Trades
Agriculture
Professional services
Other
All visa types with work rights are considered
A brief summary helps us understand your overall financial position
Complete Your Application
Upload your supporting documents and we will be in touch within 60 minutes during business hours.
Privacy note: After receiving your application, we will send you a short privacy consent form via DocuSign. This simply allows us to view your credit file — it is read-only access and leaves no mark or enquiry on your file. A formal credit enquiry only occurs if you choose to proceed and we submit your application to a lender, which we will always discuss with you first.

Documents required: After submitting, please email your drivers licence (front and back) and 3 months of most recent bank statements to info@bloomfs.com.au with your name in the subject line.
Or call us directly: 0435 782 111
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Application Received

Thank you. Adam will review your details and be in touch within 60 minutes during business hours. A DocuSign privacy consent form will be sent to your email shortly.

One more step – send your documents Please email the following to info@bloomfs.com.au with your name in the subject line:
– Drivers licence (front and back)
– 3 months most recent bank statements
Back to Rent-to-Own Call 0435 782 111

Common Questions About Our Online Pre-Approval

If you have been declined before, you probably have questions before you fill in another form. Here are honest answers to the questions we hear most often – including the ones about credit checks, deposits, and what actually happens after you apply.

No. Completing this online pre-approval has absolutely no impact on your credit file. We do not perform a credit check at this stage. If you choose to proceed after speaking with us, we will send you a short privacy consent form via DocuSign that allows us to view your file on a read-only basis – this also leaves no mark. A formal credit enquiry only occurs if you decide to proceed and we formally submit your application to a lender, which we will always discuss with you first.

Yes – this is exactly who we work with. The majority of our clients have been declined by a bank, a mainstream lender, or another broker before coming to us. Rent-to-own finance is assessed differently to standard finance. We look at your ability to generate income from the asset, your deposit, and your current situation – not just your credit history.

With a standard loan, a bank lends you money and you own the asset immediately with the loan secured against it. With rent-to-own, we purchase the asset and lease it to you under a fixed weekly payment agreement. You make payments over the agreed term and take full ownership at the end. There is no bank involved, which means we can assess applications that mainstream lenders cannot.

A minimum 20% deposit is required for most applications. For applications with 3 or more finance defaults or a bankruptcy history, we typically require a minimum of 30%. A higher deposit strengthens your application and may improve your approval outcome. If you have additional security – such as a vehicle or machine you own outright – call us to discuss whether this can substitute for or supplement a cash deposit.

Most applications receive an initial response within 24 hours. Once you have submitted your online pre-approval, provided your supporting documents, and signed the privacy consent form, we aim to have a full assessment completed and a decision confirmed within one to two business days.

After submitting your online pre-approval you will need to email us your drivers licence (front and back) and your three most recent months of bank statements. No tax returns or full financials are required in most cases. We assess your application based on your bank statements and current income, not historical tax records.

Adam will personally review your application and call you within 60 minutes during business hours. He will walk you through your options, confirm the indicative repayments, and explain the next steps if you choose to proceed. There is no pressure and no obligation – the call is purely to give you a straight answer about what is possible for your situation.

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