Can you salary sacrifice with bad credit?

Yes, you can typically salary sacrifice even if you have bad credit, as this arrangement is based on your employment and income rather than your credit history. Salary sacrifice involves redirecting a portion of your salary to benefits like superannuation or other perks, which can be arranged through your employer. However, it's important to consider how this may affect your take-home pay and overall financial situation. Always consult with a financial advisor for personalized advice.