Drive away faster. Don’t let bad credit slow you down.
We help Aussies with less-than-perfect credit get moving - fast.
Apply For A Loan
James, 24
- Credit score: 350 (Poor)
- Loan amount: 10000
- Approved.
Sally, 27
- Credit score: 305 (Poor)
- Loan amount: 20000
- Approved.
Loans for Aussies made easier
- Vehicle Loans
- Personal Loans
- Business Loans
Home Renovation
A bad credit history doesn’t have to hold you back from having a beautiful home.
Loan? Bad credit? No problem!
We understand that life’s road can sometimes be bumpy, and everyone’s financial circumstances are unique. We all make mistakes and Finance One are determined to help you smooth out the bumps in your road even if you have a poor credit history. Whether you’re looking for a loan for a vehicle for yourself or a business loan and have a bad credit history or no credit history, we want to help you succeed. We offer personalised support from the moment you enquire, all the way through to when your loan is paid in full. Our personal approach to lending might be the step-up you’re looking for.
How to apply for a Finance One loan
Step 1
Apply online in minutes
Start your loan application online with a quick form, or speak with us over the phone. The process only takes a few minutes to complete.
Step 2
Get approved
Our team reviews your application promptly and provides fast approval decisions, often within the same day.
Step 3
Make your purchase
Once approved, receive your funds and confidently move forward with your vehicle, business, or personal purchase.
Real-life customer stories
Meet Michael
Travel Loan
$10,000
Michael Christie has now been married to his wife for 2 years, but the associated costs, together with being a fly in/fly out worker made scheduling their honeymoon tricky when they got married, so they ended up postponing it.
Meet Linda
Car Loan
$10,000
Linda was surprised to discover she had a bad credit history, but she was still able to get a car loan thanks to the supportive team at Finance One. Linda was so pleased with her initial experience that she called Finance One again when it was time to upgrade her vehicle.
Meet Stav
Car Loan
$10,000
Victorian aged-care worker Stav Kazakos was able to get back behind the wheel with help from the Finance One car loan specialists. After a late-night accident left her without a vehicle, Victoria-based aged-care worker Stav Kazakos found herself spending excessive amounts of money on taxis to get to and from work.
See what customers are saying
They have been absolutely fantastic to us
We have had two loans with them in the past 11 years. they are always courteous understanding and great to work with I have absolutely no hesitation in recommending finance One to anybody who needs a second chance they are a great company.
Craige, 5 Jun 2025
It’s truly heartening to deal with Finance One
In such uncertain times it’s truly heartening to deal with Finance One. Respect, understanding, consideration and empathy.... an approach to lending I haven’t seen before. As an Accountant by profession I’d nominate Finance One for a Gold Medal, and staff to match. Thank you.
Ron, 12 Aug 2025
Very happy Finance One Customer
This is my 2nd car loan through Finance One. I just can’t fault them. Their staff are amazing and willing to help. I had most of the year off with illness and they tailored a payment plan to help me out so I wouldn’t lose my car. Highly recommend this company to anyone that needs finance.
Michelle, 23 Jul 2025
Fantastic company that really does work
Fantastic company that really does work with you. Easy to deal with and very understanding of life issues. Highly recommended.
Leoni, 21 Jul 2025
Finance Company with integrity
Finance One staff have always been wonderful with communication and help. They answered any questions without hesitation and the answers weren't scripted. They're there for us, their customers. I highly recommend this firm. I'll continue using their services in the future with utmost confidence.
Deanna, 11 Jul 2025
Frequently asked Questions
I have a bad credit history, can I still apply for a loan?
Can I apply for a loan if my income is Centrelink benefits?
What are the minimum requirements to apply with Finance One?
What documents do I need to provide for a loan application?
What can your bad credit loans be used for?
Can I make extra repayments, increase my repayments or pay my bad credit loan out early?
Apply for a loan online now
*24 hour approvals are subject to satisfactory documentation being
provided to assess the
application.
**Normal lending criteria, terms & conditions and fees & charges apply.
^Early repayment fees may apply. Please refer to your loan terms and conditions or contact us to confirm if an early payout fee applies to your loan.