Car Loans for Bad Credit in Brisbane
& Australia Wide

Whether you’re in the centre of Brisbane or you’re way out in Mt Isa, our loans may be available to all Queensland residents providing you’re over 18 and meet our minimum lending guidelines. While your location won’t affect your credit score, if you’ve lived in many different places and have a long address history, this can be a sign to lenders of instability and potentially affect your creditworthiness so this is worth bearing in mind if you do move around a lot. Don’t panic if this is applicable to you. A member of the Finance One team will work with you when you apply for your Brisbane quick car finance and get to understand your personal circumstances. We specialise in lending to people with a not so perfect credit rating so you’re in safe hands when you come to us.

Whether you’ve experienced circumstances that will have negatively impacted your credit rating or you’ve just never had reason to check your score in the past, it’s worth familiarising yourself with the personalised credit report that’s unique to you. Your credit report will contain information including your personal details such as name, address and date of birth. It may also show a record of your current financial accounts and loan products you’ve taken out in the past. A credit report also keeps track of enquiries you make and this can impact your score. For example, if you’ve made several applications to different lenders in a short space of time, this could be viewed negatively when your score is calculated. You can check your credit report and score online with companies such as Equifax and Experian. This is also an opportunity for you to make sure the information collected about you is correct. Data inaccuracies can mean an unnecessarily lower score. If you’re in doubt about your score or have any questions, the Finance One team can help you when you contact us to discuss your car loan application.

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); 
• proof of your income; 
• completed application form and privacy statement; and
• driver licence

Yes! Our customers can repay their loans early without being charged additional fees. You can also increase your monthly repayments if this becomes an option over the duration of your loan.

Once we’ve received your application and supporting evidence, the team will review and have an answer for you within as little as 48 hours*. Once you’re approved, you’ll be on the road with your new car in no time! Contact us to discuss your bad credit history car loan in Brisbane today.

If you’re looking for a bad credit history car loan in Brisbane, you’re in the right place with Finance One. We make our customers our top priority, ensuring a loan term that works for you. You’ll see this when you read our customer reviews. Our Support Centre is top-notch, and you’ll be given all the help you need when you submit your application and for the duration of your loan. We believe everyone should have the opportunity to get on the road and that’s why we’ve refined our second chance car finance packages in Brisbane to be accessible to as many people as possible. With all our communication, we’re transparent and straightforward. We also like to go the extra mile for our customers and that’s why you’ll find plenty of tips and useful resources about your everyday finances when you visit our blog. 

So you’ve done your research, you’ve got your dream car in sight and you’re ready to apply. Great! You’ll need to fill in our initial online form outlining the amount you want to borrow, your contact details and your employment status. When you get to this stage, have your bank details and driver licence number handy as you’ll need these for the next stage. If you want to discuss your application with a member of the team before you apply, you can call us on 1800 346 663.