Personal Loans

Loans from $5,000 to $25,000**. We strive to find finance solutions for everyone – even those who have been rejected by the banks. We go above and beyond to help provide smart solutions to your finance problems.

Apply For A Loan

Credit Score

300 (Low)
Loan Amount

$10,000
Loan Type

Travel

Credit Score

300 (Low)
Loan Amount

$10,000
Loan Type

Travel

Charles L. Approved for Travel Loan

Apply for a Finance One Personal Loan

Personal

Don’t be held back by a bad credit history.

Personal Loans

Travel

Don’t be kept at home by a bad credit history.

Travel Loans

Wedding

Say “I Do” to your perfect Wedding.

Wedding Loans

Home Renovation

A bad credit history doesn’t have to hold you back from having a beautiful home.

Renovation Loans

Veterinary

Don’t compromise your Pet’s health because of a bad credit history.

Veterinary Loans

Don’t be held back by a bad credit history

Finance One understands that life is not always smooth sailing, so we take the time to fully understand your individual ﬁnancial situation with our personal approach to lending. We help improve the lives of everyday Australians with our loans for people with a bad credit history or no credit history who may have experienced defaults or bankruptcy in the past. There is no one-size-fits-all approach at Finance One because we think differently about credit.

We will consider:

Poor or no credit history
Discharged from bankruptcy
Defaults on your credit file

Can I apply for a Finance Loan?

Income

Are you receiving regular income?

Borrow

Do you want to borrow between $5,000 to $25,000?

Age

Are you at least 18 years of age?

Credit History

Defaults on your credit file or discharged from bankruptcy?

Because we believe in second chances

Flexibility

Finance One customers can make extra repayments or increase their repayment amount at any time.^

100% Aussie

With offices in Townsville and Brisbane, our team is ready to assist you in finding financial success.

Support

Our dedicated support team will get to know you and provide personalised service.

Frequently asked Questions

Can I apply for a Personal Loan from Finance One if I have a bad credit history?

Yes! Finance One can consider applicants whose credit history includes defaults, previous bankruptcies or Part IX Debt Agreements.

What could my interest rate be?

Our interest rates vary depending on your overall profile, including but not limited, to your stability in employment and residency status, your credit history, affordability and your banking conduct.

Can I make extra repayments, increase my repayments or pay my loan out early?

Yes, you can make extra repayments or increase your repayments. However, some of our loans do have an early payout fee. We recommend you review your loan terms or contact us to confirm if an early payout fee applies to your loan.

What documents do I need to provide when I apply?

The minimum documents we require for a Consumer Loan application include:

three months of bank statements (we will provide you with our secure link to bankstatements.com.au to provide your bank statements);
proof of your income; and
completed application form and privacy statement.

Apply for a loan online now

Apply Online Now Speak to a loan expert

*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.