Car Loans for Bad Credit in Adelaide

Finance One Car Loans

Have a Bad Credit History But Want a Quick and Easy Car Loan in Adelaide?

Look no further – Finance One is here to help.

Have a bad credit history or a low credit score but want to finance your dream car quickly in Adelaide? Searching for the best bad credit history car finance in Adelaide? Finance One is a firm believer in giving South Australians, and all Australians a “fair go”. We believe our second chance car finance is a great option for South Australians who want to purchase the car of their dreams even if they have experienced a bad credit history or a low credit score in the past. For finance deals for everyday Australians searching for bad credit history car finance in Adelaide – contact us today on 1800 346 663. Our friendly, experienced, lending team is here to help. 

Personal Loan Range

Loans from $5,000 to $75,000**

Personal Loan Term

Loan terms from 3 - 7 years

Personal Loan Time

Approvals in as little as 48 hours *

The Finance One Difference.

Finance One believes in providing a “personal touch” to all of our financing packages, where your current circumstances and financial position play an important role in getting you car finance in Adelaide even with a poor credit score. We believe everyone deserves a second chance. A financial mistake in the past which in some cases may not have been your fault can have an effect on your ability to get a competitive finance rate, especially from the major banks. Finance One operates differently. We appreciate that every individual’s life story is different. Certain events in the past should not dictate your future, especially if you’ve grown and developed a strong financial awareness and show a capacity and willingness to pay. It is this personal growth and development which we admire, and as such, we might be able to give you a second chance on quick car finance in Adelaide with our bad credit history car loans.

  • Cars
  • 4WD
  • Utes
  • Caravans
  • Campervans
  • Boats

Access to an Australia-wide network of brokers.

Finance One offers its products directly to consumers through our website, or via an Australia-wide network of brokers. 

Contact us today on 1800 346 663, or email us at [email protected] and one of our friendly team members will be in touch. 

Can I apply for a Finance One Vehicle Loan?


Are you receiving regular income?

Step 2


Do you want to borrow between $5,000 to $75,000? **


Are you at least 18 years of age?

Step 2

Credit History.

Defaults on your credit file or discharged from bankruptcy?

Competitive Car Finance in Adelaide.

For individuals with a bad credit history, poor credit history, or discharged bankrupts, we do things right by you by taking into consideration your present financial circumstances. We review your application and customise a loan that suits your own needs and requirements. Your happiness and success is our driving factor, as we help you thrive and enjoy the life you deserve with our tailored loan products to suit your lifestyle. From the day you apply to the day your loan is paid in full, we provide real, genuine customer support from a dedicated team of professionals.

Loans with a personal touch!

Apply for a Vehicle Loan.

To apply for a loan, you will need some basic details: drivers licence details and bank details.

Find below some common questions we get about our Car Loans and financing options

What is a bad credit history car loan?

Finance One offers fast, flexible financing for vehicles, motorbikes, boats and other similar items to everyday Aussies with poor credit scores or who have been discharged from bankruptcy or a Part IX Debt agreement. If banks and other lenders have declined your application for car finance in Adelaide due to poor credit history or a low credit score, we may be able to help. 

Our car finance is perfect for South Australian residents looking for second chance finance for a car loan when other people say no!

Am I eligible for quick car finance in Adelaide through Finance One?

To find our more, contact us today on 1800 346 663, or email us at [email protected] and one of our friendly team members will be in touch.

Minimum eligibility for those in search of bad credit history car loans in Adelaide are:

  • 18 years of age or over;
  • Australian permanent resident or Australian citizen; and
  • Receiving an acceptable form of income
What are the interest rates for a typical bad credit history car loan in Adelaide?

Generally speaking, the rates may be higher than the banks and lenders due to their restrictive eligibility criteria. We look past your credit file and consider your individual circumstances to tailor a loan that is best suited to you.

Call our friendly team today on 1800 346 663 to find out about a bad credit history car loan in Adelaide.

    Do I need a deposit?

    No, you do not need a deposit when applying for our flexible and affordable quick car finance. 

    Depending on your financial circumstances, you may be able to borrow up to 100% of the car’s value. Contact us today on 1800 346 663 or email us at [email protected] and one of our friendly team members will be in touch. 

    How do I apply for a bad credit history car loan in Adelaide?

    Applications are as easy as 1-2-3! 

    Call us today on 1800 346 663 or enquire here and we can get an answer to you in as little as 24/48 hours* – not weeks! Our friendly and experienced team is here to help you to get from A to B.

    *24/48 hour approvals are subject to satisfactory documentation being provided to assess the application.

    ** Loans of $50,000 – $75,000 must be asset backed.

    Normal lending criteria, terms & conditions and fees & charges apply.