Bad Credit Personal Loans Cairns

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In need of a business vehicle or equipment?

Looking for a personal loan in Cairns, Australia?

Personal Loans are ideal for those who have unforeseen expenses to cover or would like to splurge on the latest merchandise without having to wait for the next paycheck. That being said, it can be difficult to acquire a Personal Loan in Cairns if you have a bad credit history.

  • Loans from 
$5,000 to $25,000**

  • Loan Terms 
from 3 - 4 years

  • Approvals in as 
little as 24 hours*

What can I use a personal loan for?

What can I use a personal loan for?

We know that your history doesn’t accurately dictate how financially capable you are today. This is why, Finance One takes a compassionate approach to the topic of personal finance, tackling every individual situation with the varied treatment it deserves. We do not consider things like bad credit history or care too much about the exact purpose of your Personal Loan. What matters to us is working closely with you to find the most optimal financial solution.

  • Home Improvements
  • Vehicle Accessories
  • Jet skis
  • Vehicle Repairs
  • Travel
  • Trailers
  • Education Costs
  • Weddings
  • Medical Bills
Can I apply for a Finance One personal loan?

Can I apply for a Finance One personal loan?

Stumbles in the past should not prevent you from being financially flexible in the present. With Finance One, you can get the financing you need with one of the best Personal Loan providers in Cairns.

  • Income

    Are you receiving regular income?

  • Borrow

    Do you want to borrow between $5,000 to $25,000?**

  • Age

    Are you at least 18 years of age?

  • Credit History

    Defaults on your credit file or discharged from bankruptcy?

Finance One — offering flexible bad credit Personal Loans in Cairns Finance One — offering flexible bad credit Personal Loans in Cairns

Finance One — offering flexible bad credit personal loans in Cairns

With loanable amounts that range from small to large, payment periods ranging from three to four years and a processing time that can be as little as 24 hours* — we have some of the fastest and most flexible bad credit Personal Loans in Cairns. For a judgement- and hassle-free personal loan, Finance One is ready and willing to help you every step of the way. 

If you have any questions or concerns about getting a Personal Loan in Cairns, feel free to contact us — our highly skilled and friendly customer support team is always on standby to assist you with anything they can.

Frequently Asked Questions

How long will it take for a loan application to be processed?

If you have provided all of the information required for your application we can have an answer back to you in as little as 24 hours.*

What can I get a personal loan for?

You can get a personal loan for a holiday, travel, weddings, engagement ring, medical and dental expenses, renovations and home improvements, vehicle accessories and repairs, jetskis, boats, mowers, off road bikes and dirt bikes, office equipment, university expenses, back to school expenses.

Can I make extra repayments, increase my repayments or pay my personal loan out early?

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.

How can I apply for a What documents do I need to provide when I apply for a personal loan?

The minimum documents we require for an application include:

  • 3 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

What will my interest rate be?

Our interest rates vary depending on your overall profile including but not limited to your stability in employment and residence, your credit history, affordability and your banking conduct.

I have poor credit history or defaults on my credit file, can you help me?

If you have had bad credit, poor credit or defaults listed on your credit file in the past, we may still be able to assist you. Contact us now to see how we may be able to help.

I’ve been discharged from bankruptcy can you help me?

We will consider applicants for a personal loan that have been discharged from bankruptcy for a minimum of 6 months.

What is a bad credit personal loan?

A bad credit personal loan is a loan that provides finance options to people who have had previous poor credit including defaults, previous bankruptcies or Part IX Debt Agreements.

*24 hour approvals are subject to satisfactory documentation being provided to assess the application.
**Secured Personal Loans between $5,000 – $25,000. Unsecured Personal Loans between $5,000 – $15,000.
Normal lending criteria, terms & conditions and fees & charges apply.

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