Solution Based Lending, Built Around Your Needs

The minimum application requirements for a bad credit loan with us include:

• 18+ years of age;

• casual employment for a minimum of 3 months;

• secure residency for a minimum of 3 months or 6 months if boarding; and

• have no more than 2 payday loans on your bank statement.

The minimum documents needed for Finance One bad credit loans 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 (2 payslips, no older than 6 weeks); and

• completed application form and privacy statement.

Yes, you can make extra repayments or increase your repayments. This flexibility may help you pay down your loan faster and reduce the total interest paid on your personal loan. 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.

Our fast-approved credit loans are for those looking to restore some balance in their life and acquire necessary assets. This includes vehicles (from cars to caravans), personal loans and work equipment.

Yes, you can! At Finance One, we specialise in giving those with poor credit history an opportunity to take back control of their lives and start again. To do this, we focus on bank statements rather than your credit rating to give you a fair opportunity.

Yes! Finance One will 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