Home Renovation Finance with Bad Credit

Owning a home is a dream come true but keeping it in good condition can be a nightmare. If you need to renovate or fix your home, talk to Finance One about stress-free finance.

Apply For A Home Renovation Loan
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Finance One Home Renovation Loan

Finance One Home Renovation Loan

Loans for Home Renovation are available for amounts between $5,000 to $25,000**, even if you have a bad credit history. Make your home your happy place with a loan for Home Renovations from Finance One. Talk to us about your options today.

  • Loans from $5,000 to $25,000?

  • Loan terms from 3 - 4 years

  • Approvals in as little as 24 hours

What can I use a Home Renovation Loan for?

What can I use a Home
Renovation Loan for?

Renovate your home and give it the lift it deserves, with our secured and unsecured Personal Loans for Home Renovations. We can even accept applicants with a bad credit history. Our Personal Loans for Home Renovations can be used to finance:

  • New kitchens
  • New bathrooms
  • Minor or major repairs
  • New roofs
  • New floors
  • Outdoor areas
  • Plus more!
Can I apply for a Home Renovation Loan?

Can I apply for a
Home Renovation Loan?

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.

  • Income

    Are you receiving regular income?

  • Borrow

    Do you want to borrow between $8,000 to $100,000?

  • 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

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Flexibility

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

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100% Aussie

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

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Support

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

Frequently asked Questions

Can I apply for a loan for Home Renovation 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. Talk to us to find out more.

What could the interest rate be on my loan for Home Renovations?

Our interest rates on Personal Loans to renovate vary depending on your overall credit profile. This includes, but is not limited to, the stability of your employment and residency status, your credit history, your income and your banking conduct.

Can I make extra repayments, increase my repayments or pay my Home Renovation Finance out early?

All Finance One customers who have a Personal Loan to renovate their home can make extra repayments or increase their repayment amount at any time. Finance One customers with Personal Loans can also pay their loan out at any time without an early payout fee.

What documents do I need to provide when I apply?

The minimum documents we require for a loan application for Home Renovations 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.
**Secured Personal Loans between $5,000 – $25,000. Unsecured Personal Loans between $5,000 – $15,000.
Normal lending criteria, terms & conditions and fees & charges apply.