4×4 Vehicle Finance for Bad Credit in Australia.

Sometimes you need a high-quality set of wheels to take you where you need to go. At Finance One, we help improve the lives of everyday Australians with our 4×4 finance and off road vehicle finance.

Apply For A Vehicle Loan
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Finance One Car Loan

Get your motor running!

You can still apply with us if you have a bad credit history, no credit history or if you have experienced defaults or bankruptcy in the past. We take a personal approach that can help you find the right solution.

  • Loans from $8,000 to $100,000?

  • Load terms from 3 -7 years

  • Approvals in as little as 24 hours

What can I use Off Road Finance or 4×4 Vehicle Finance for?

What can I use
4×4 Vehicle Loan for?

Put an off road or 4×4 vehicle to great use for your family with the help of a loan from Finance One. Skip the stress of applying for an off road vehicle finance and apply with Finance One.

  • Family 4×4 vehicles
  • Off road vehicles
  • Adventure vehicles
  • Compact 4x4s
Can I apply for a Car Loan?

Can I apply for a
4×4 Vehicle Loan?

We help to improve the lives of everyday Australians with our car loans and vehicle loans for people with a bad credit history or no credit history who may have experienced defaults and bankruptcy in the past.

  • 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 an off road vehicle from Finance One if I have a bad credit history?

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

What could my interest rate be for Finance One off road vehicle finance?

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

Can I make extra repayments, increase my repayments or pay my vehicle 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 for 4x4 finance or an off road vehicle Finance?

The minimum documents we require for an application include:

  • three months of bank statements (we will provide you with our secure link to bankstatements.com.au to provide your bank statements); and

  • proof of your income; and

  • completed application form and privacy statement; and

  • ID (ie. drivers licence)

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.