Bad Credit Personal Loans Canberra

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Finance One – personal loan providers in Canberra

Personal Loans in Canberra are hard to come by when you have a bad credit history. Although we all make mistakes and have financial stumbles from time to time, big banks tend to be less forgiving when deciding who deserves a helping hand. Luckily, Finance One is in the business of giving people second chances — considering you the Personal Loan you need without much fuss. 

  • 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 can offer bad credit Personal Loans in Canberra, Australia because we believe that your past does not define you. We understand how complicated life can be sometimes — which is why we don’t hold that against you. We’re a firm believer that missteps made due to certain circumstances shouldn’t be the basis for your ability to repay financial obligations. 

  • 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?

At Finance One, our team of customer-oriented experts are ready to hear you out and give you the personalised solution you need — regardless of purpose or credit history.

  • 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 — bad credit Personal Loans Finance One — bad credit Personal Loans

Finance One — bad credit personal loans

Finance One is an award-winning Personal Loan provider in Canberra that takes pride in having been there for thousands of Australians over the years. Whether it’s for a wedding, home renovation, travel or purchasing new vehicle accessories, what we truly care about is that we work together to find the most ideal financial solution for you.

If you have any questions about our service or concerns you think we should address, feel free to contact our friendly customer support team — no matter is too big or small for us to assist you with!

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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