Why finance is harder in Balga and Girrawheen
Balga (6061) and Girrawheen (6064) are two of the most culturally diverse suburbs in Perth. The area has taken in migrant and refugee families for decades, and a lot of households here are still early in their time in Australia. If you are searching for rent-to-own cars in Balga, the problem is usually not your income. It is that you have not been here long enough to build the credit file a bank wants to see.
That is the gap this fills. A lender reads a short Australian credit history, a temporary visa or a recent arrival date as risk, no matter how steady the work behind it is. Toybrids runs no credit check. We look at whether the weekly payment fits what you earn, not at how many years your name has been on an Australian file. If the whole idea is new, start with how rent to own works in Perth.
Getting around is the other half of it. Neither Balga nor Girrawheen has its own train station, so most trips start with a bus to Mirrabooka or across to Warwick. That works well enough for a nine-to-five in the city. It works badly for shift work, for a job in the industrial areas south or east of the river, for school runs, and for anyone driving rideshare. Once you are covering that kind of distance every week, fuel becomes one of the bigger numbers in the household budget, which is where a hybrid earns its keep instead of just sounding sensible.
Own your car in four simple steps
Apply
Call us or submit an enquiry. We will discuss your needs and confirm your eligibility.
Choose your car
Select the reliable Japanese or Korean vehicle that suits your work, family or rideshare needs.
Drive
Take your vehicle home and enjoy unlimited kilometres, with registration included in your weekly payment.
Own it
Complete your agreement, and the vehicle becomes yours.
Everything you need is included
Insurance sorted at pick-up
We organise cover with you, or match a quote if you bring your own.
Registration included
No annual registration costs.
Unlimited kilometres
Drive as far as you need. No weekly kilometre limits.
Interest free
No hidden interest built into your weekly payment.
Visa friendly
Student, work, bridging and PR pathway visas welcome.
Ownership at the end
Complete your agreement, and the car becomes yours.
Who can apply?
A valid Australian driver's licence and work rights are all you need to start.
Rent-to-own cars Balga: frequently asked questions
›I have only been in Australia a couple of years. Is my credit file too thin?
It is not a problem here. Toybrids does not run a traditional bank credit check, so the length of your Australian credit history does not decide the answer. What matters is whether the weekly payment fits your income.
›I am on a temporary visa. Can I still apply?
Yes. Student, work and bridging visa holders can apply, as can anyone on a permanent residency pathway. A valid Australian driver licence and work rights are what matter. If you are studying, our guide on getting a car on a student visa in Perth walks through it.
›Balga is a long way from Forrestdale. Do I have to keep coming back?
No. You come to us to choose the car and collect it. After that the agreement runs on weekly payments, and you only need to see us for servicing or if something goes wrong. Most customers make the trip once or twice.
›I drive for Uber or DiDi. Does the car qualify?
Rideshare drivers are welcome, and each platform sets its own rules on vehicle age, size and inspections. Tell us which platform you drive for before you choose, and we will point you to a car that meets its requirements.
›Are there kilometre limits if I am driving across the city for work?
No. There is no weekly or annual kilometre cap on a Toybrids agreement. If your job is in the industrial areas south or east of the river, the distance does not count against you.
›Do I have to take a Toyota?
No. Toyota, Kia, Hyundai and Mitsubishi are all on the table, and if the car you want is not on the lot we can order it in, provided it is 2021 or newer and between $28,000 and $50,000.
›What about insurance and registration?
Registration is built into your weekly payment. Insurance is organised when you collect the car, because the premium depends on your driving experience and claims history, and you are welcome to bring your own cover for us to match. We explain the options in our guide to insuring your car in Perth.
›When does the car actually become mine?
The car becomes yours once you complete all payments under your rent-to-own agreement. There is no balloon payment and no interest built into the weekly figure.
Getting to us from Balga
We are at 15 Archimedes Drive, Forrestdale WA 6112. It is a genuine cross-city run from the northern suburbs, around 45 minutes down Reid Highway and Tonkin Highway outside peak, so call first and we will have the car ready rather than have you drive it twice.
We also serve Belmont and Armadale.
Open Monday to Saturday, 8:00 am to 6:00 pm.