Vehicle Finance Solutions

Loans from $8,000 to $100,000**. We offer flexible car loan repayments, available for those looking to get back on their feet and behind the wheel. A bad credit rating shouldn’t hinder you from trying to get a fresh start on life.

Apply For A Loan

Credit Score

300 (Low)
Loan Amount

$10,000
Loan Type

Vehicle

Credit Score

300 (Low)
Loan Amount

$10,000
Loan Type

Vehicle

Vanessa R. Approved for Car Loan

Apply for a Finance One Vehicle Loan

Car

Get on the road fast with a Finance One car loan.

Car Loans

4x4

Drive anywhere with a Finance One 4x4 Loan.

4x4 Loans

Motorbike

Hit the road on two wheels! Apply for a motorbike loan.

Motorbike Loans

Boat

Enjoy the freedom of the open water.

Boat Loans

Jetski

Get on the water fast with a Finance One loan.

Jetski Loans

Caravan & Camper

Travel your way with a Finance One loan.

Caravan Loans

Vehicle Repair

Get back on the road sooner with a repair loan.

Repair Loans

Trailer

Move what matters with Finance One finance.

Trailer Loans

Don’t be held back by a bad credit history

Finance One understands that life’s road can be bumpy at times,

We help improve the lives of everyday Australians with our car loans for people with a bad credit history or no credit history who may have experienced defaults and bankruptcy in the past. If you have a poor credit history, there’s no need to stress just yet! We may be able to offer a car loan to you.

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 $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

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 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.

Can I apply for a loan if I receive a pension or Centrelink benefits?

Yes! Finance One can consider applicants who receive any of the following:

Family Tax A & B
Parenting Payment
Carer Payment
Aged Pension
Disability Pension
Department of Veterans’ Affairs (DVA) Service Pension/Partner Service Pension

What could my interest rate be?

Our interest rates can 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 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.

*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.