Car Loans for Bad Credit in Perth

Finance One Car Loans

Perth car finance that will get

you on the road again.

Finance One provides a second chance and quick car finance in Perth for everyday Australians who are hoping to access a loan. Our car loan consultants in Perth are experts in securing car finance for individuals with a bad credit history. We’ve helped many customers with quick car finance in Perth with their next ‘daily driver’, ‘weekend cruiser’ or ‘dream car’. Speak with our friendly team today on 1800 346 663 or contact us online today for a chat about how Finance One can 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*

Don’t let a bad credit history hold you back.

At Finance One, we believe the past is the past, and everyone deserves a second chance. Whether you’re due for an upgrade, buying your first car, or don’t know where to find car loans for people with a bad credit history in Perth, Finance One will help you find car finance suited to you. Our second chance car finance is a popular choice for individuals in Perth with a bad credit history, as we look at your current individual circumstances.

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

Quick car finance in Perth, a second chance for many.

You might have already tried the banks and they may not have been able to help, which can be especially frustrating if you’ve already found the perfect car and are in need of quick car finance in Perth. Many mainstream lenders and banks may not have the flexibility to understand your personal circumstances. At Finance One, we do things differently. Our car loan consultants have experience in obtaining approvals for those outside the box applications, guiding you every step of the way.

We also provide some tips and tricks on our website on the best ways to increase your credit score and have you on your way to owning your new car in no time. Speak with the friendly and experienced team from Finance One. We are here to help you get on the road fast. Our car finance team in Perth are experts on getting you a great deal on second chance car finance even if you have a bad credit history. 

Our car loans are designed for good people who may have made financial mistakes in the past. Our experienced car loan consultants can work with you to complete an application for a personalised second chance car loan in Perth.

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?

Bad credit history car finance in Perth.

We can help you get a great car loan to suit your individual situation.

That’s our commitment to all our valued customers in Perth who are in search of quick car finance but have been unable to find it due to a poor credit score.

Our team will evaluate your current circumstances to find you suitable rates with years of loan and finance industry experts and offer better, comprehensive services to get you into your new car sooner. If you would like to learn more about bad credit loans or would like to apply, contact our Perth quick car finance team today on 1800 346 663 or contact us online.

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 Perth.

Can I apply for a car loan if I have a bad credit history?

At Finance One, we take your individual circumstances into account to find a car loan with manageable repayments. Even if you have a bad credit history, we may be able to help you.

What things can negatively affect a credit score?
  • Defaults – When you fall behind on your repayments, lenders may report a default on your credit file, which can flag you as a higher-risk borrower.
  • Multiple Credit Enquiries/Applications – Every time you apply for credit (whether successful or not), a credit enquiry is listed on your credit file. Too many enquiries in a short timeframe can negatively impact your credit score.
  • Level of debt/Leverage – Much of the credit you possess is listed under your credit file, including mortgages, credit cards and even utility bills. If you have a high level of debt, this can impact your ability to get further credit.
  • Payday Loans – Pay day loans are short term small cash loans. Mainstream lenders do not generally look favourably upon payday and quick cash loans.
Can I apply for a car loan if I have a default on my credit file?

Yes – Finance One has helped thousands of every day Australians find car finance even with defaults on their credit file.

What are the interest rates on Finance One's car loans?

Finance One’s interest rates vary and are calculated based on your individual circumstances and profile.

What documents do I need to apply for a car loan?

The documents we require for a car loan 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
  • A drivers’ licence

*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.