Car Loans for Bad Credit on the Central Coast & Australia Wide

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Brisbane car finance that will get you on the road again.

Is your credit history keeping you from having the car you want?

If a bad credit history has made you put off financing a new vehicle, Finance One may be able to help. We understand that you need a car to get to work and school. If you’re seeking a new car or an upgrade, let us help find the ideal car loan for you. We offer car finance on the Central Coast, as well as in many other cities across Australia.

  • Loans from $8,000 to $100,000**

  • Loan terms from 3 - 7 years

  • Approvals in as little as 24 hours *

What can I use a Personal Loan for?

Bad credit isn’t always your fault

Here at Finance One, we understand that events outside your control can result in a bad credit history. A divorce, medical bills, or an old debt can affect your credit profile for years. But that shouldn’t influence your ability to apply for the vehicle you need to live your life. 

  • Cars
  • 4WD
  • Utes
  • Caravans
  • Campervans
  • Boats
Can I apply for a Finance One Personal Loan?

Can I apply for a Finance One Personal Loan?

Not only can we secure finance for our customers, but we also provide finance especially tailored to people who’ve experienced a negative credit rating in the past. Whether you’ve had an issue with an old credit card or previously filed for bankruptcy, our loans are accessible and we look at every application on a case by case basis, taking your individual situation into account. Get in touch with a member of our team today to find out how we may be able to finance your next car.

  • 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

We offer car loans for bad credit Australia wide. Apply now with our easy online loan application.

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Support

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

Application requirements for loans for motorcycles Application requirements for loans for motorcycles

The advantages of Finance One Loans are sure to please you.

When our customers looking for car finance on the Central Coast compare loans, they rave about  some of the advantages of Finance One including: 

  • Financing options despite previous bankruptcies, defaults, or Part IX Debt Agreements
  • Loan terms that can work with all kinds of budgets
  • Financing for all vehicle types
  • Loan options for people receiving Centrelink benefits
  • A customised approach to loan servicing
  • Simple application process
  • Fast decisions on loan applications*

Frequently asked Questions

How can I apply for quick car finance on the Central Coast?

You will love how easy it is to apply for a loan with Finance One.
The first step is to: fill out our online application form, or ring us on 1800 346 663 for a quick phone application. Within as little as 48 hours*, you could know if your loan has been approved. 

Does Finance One have requirements for car loans on the Central Coast?

There are a few basic requirements you must meet to apply for car finance with Finance One on the Central Coast:

  • You should have a regular, verifiable income.

  • You must be at least 18 years of age.

  • You must apply for a loan within our financing range (see below).

  • You need a credit profile that we can assess as part of the loan process, whether or not you have negatives on it.

Can I apply with Centrelink benefits or a pension?

Yes! We encourage you to apply, even if you are receiving benefits such as: 

  • Carer Payment

  • Parenting Payment

  • Family Tax A & B

  • Disability Pension

  • Department of Veterans’ Affairs (DVA) Service Pension/Partner Service Pension

Can I buy a ute with a Finance One loan?

You can certainly use a Finance One loan to purchase a ute. We allow our loans to be used for cars, utes, work bikes, 4WDs, camper vans, and even boats. 

How much can I apply for?

Our loans are for vehicles between $5,000 and $75,000**. So, your loan must fall within that range. Your income and your credit profile will be evaluated to determine how much you can apply for. 

What loan interest rate could be offered?

Your individual financial profile decides what your loan rate could be. All of our customers’ rates are different because their finances are all unique. Once we see your income and credit history, we can propose a rate to you.

If I pay my loan back early, will I be charged a fee?

Early repayment fees may apply – please refer to your loan terms or contact us to confirm if an early payout fee applies to your loan. 

Get started on applying for your vehicle loan today!

Don’t wait to apply for that car or ute of your dreams now that you’ve found Finance One. If you start an application today, you could have your new vehicle in a week*. If you have questions, our support team is here to assist our applicants on the Central Coast.

I'm ready to get started with a vehicle loan application. What now?

If you’re ready to take one step closer to that car or ute you’ve been dreaming of, why wait any longer? Start an application today, and you could have your dream vehicle soon. Still have questions? No problem. Our support team is here to assist our Canberra applicants. Calls us on 1800 346 663.

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*24 hour approvals are subject to satisfactory documentation being provided to assess the application.
**Normal lending criteria, terms & conditions and fees & charges apply.