Car Loans for Bad Credit in Melbourne

Finance One Car Loans

Melbourne Car Finance that will get

you on the road again.

Have a low credit score and need a quick and easy car loan in Melbourne? Finance One is your trusted, customer-focused experts when it comes to car loans in Melbourne and all around Australia. You deserve a second chance in getting approved for car finance in Melbourne, don’t be held back by your prior history without a way to move forward – the friendly, professional team at Finance One is here to help.

We offer finance for people who have experienced poor credit history, bankruptcy or defaults on their credit file. Loan packages are tailored to match your individual circumstances and personal financial history. We know how life’s challenges can affect each person differently, especially a history of low credit scores. When in search of fair car finance in Melbourne call us today on 1800 346 663 for an obligation-free chat about bad credit history car loans.

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 *

Second chance car finance in Melbourne, for everyday Australians with low credit scores.

 At Finance One, we believe that everyone deserves a second chance. Speak with us about a bad credit history car loan in Melbourne today on 1800 346 663 or Contact Us online.

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

Applying For a Car Loan in Melbourne with a Low Credit Score or Bad Credit History.

It’s all too common that a mistake early in life can cause one to worry about their future, and their ability to get a car loan with bad credit scores or poor credit history. Simple things like forgetting to pay your phone bill when you were younger, or making financial decisions without the proper care and guidance from trusted advisers can affect your ability to acquire a loan in your later years. It may even have been a situation outside of your control which has had a negative impact on your credit score. Regardless of the situation, the courteous, compassionate, and professional Finance One team understands that your current credit score may not be the best indication of your financial position. This holds true especially later in life, as you may have advanced in your career or started growing a successful business. Take control of your future, and your finances with a bad credit history loan from Finance One – call us now on 1800 346 663 or Contact Us online for a bad credit history car loan in Melbourne. 

Don’t waste your time trawling through endless “review” sites and biased sponsored posts by the big banks and other mainstream lenders – Finance One is your trusted bad credit history car finance adviser in Melbourne. We have helped many Australians with car finance in Melbourne to find a suitable rate for their dream car. Five days a week, we are here to help get you behind the wheel faster! Contact Us online for a bad credit history car loan in Melbourne and all around Australia! 

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?

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.

Frequently asked questions about car finance in Melbourne.

Everything you need to know about quick and easy bad credit history car loans in Melbourne from Finance One. Discover our story to learn why we’re different and be sure to check out our Frequently Asked Questions below for some common answers or call now on 1800 346 663 for a chat about quick and easy car loans in Melbourne.

Can I get a loan if I have a low or bad credit score?

Finance One specialises in loans for individuals who have “done it tough” due to unfortunate circumstances affecting their credit file. Call us now on 1800 346 663 or apply for a bad credit history car loan in Melbourne and more information on how we can help!

What is a bad credit history or “second chance” car loan?

As bad credit history car finance specialists in Melbourne and all over Australia, Finance One can offer loan financing rates and packages for car finance in Melbourne, perfect for individuals whose credit history includes defaults, previous bankruptcies or Part IX Debt Agreements. 

We’ve given Aussies the second chance that they deserve when searching for the car of their dreams, and believe people shouldn’t be penalised for a mistake in the past. Common credit issues people may have on their credit file are:

  • Paid or unpaid phone, power or gas defaults
  • Paid and unpaid loan or credit card defaults.
  • Court judgements
  • Discharged Part IX (9) Debt Agreements as per the Bankruptcy Act 1966 (Cth)
  • Discharged bankruptcy
  • …and more
How do I apply for a bad credit car loan if I have a bad credit history?

Complete our online enquiry form or call us on 1800 346 663 for an obligation-free credit application and borrowing power discussion. 

What documents will you need me to provide when I submit my application?

The minimum documents we require for an application include:

  • three months of bank statements (we will provide you with our secure link to to provide your bank statements); 
  • proof of your income; 
  • completed application form and privacy statement;
  • driver licence
Can I apply for a loan if I receive a pension or Centrelink benefits?

Yes! Call us now on 1800 346 663 or apply online. 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
Why should I choose Finance One as my car loan lender?

If you’re looking for a bad credit history car loan in Melbourne, you’re in the right place with Finance One. We make our customers our top priority, ensuring a loan that works for you. Our Support Centre is top-notch, and you’ll be given all the help you need when you submit your application all the way through until your loan is paid in full. 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 Melbourne to be accessible to as many people as possible. 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. 

I'm in Melbourne and want to apply for a car loan. What are the next steps?

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 online enquiry 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.

*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.