Bad Credit Personal Loans Sydney - Finance One

Don’t let past stumbles stop you

If you have a bad credit history, applying for a personal loan in Sydney can be challenging. From facing rejected applications for financing to dealing with sky-high interest rates, finding a Personal Loan in Sydney that suits your needs can be difficult.

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?

Whether it’s for travel, business, a wedding or to cover medical expenses, we understand that sometimes there are pressing matters that a Personal Loan can solve. We take a personal approach to lending and are fully ready to accept those who have experienced defaults or bankruptcy in the past. When it comes to applying for a Personal Loan in Sydney with a poor credit history, trust Finance One and get the unbiased and compassionate attention you deserve.

Home Improvements
Vehicle Accessories
Jet skis
Vehicle Repairs
Travel
Trailers
Education Costs
Weddings
Medical Bills

Can I apply for a Finance One personal loan?

We understand that past hiccups should not be the basis of how reliable you are to manage a personal loan. That’s why at Finance One, we take the lead in providing bad credit Personal Loans in Sydney, Australia.

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 — the best personal loan Provider in Sydney

Finance One views credit history and personal loans very differently from other Personal Loan providers in Sydney. We understand that past mistakes should not prevent you from getting the loan you need today — everyone deserves a second chance. With an ear that’s always ready to listen and a mind that focuses on nothing but finding the best solutions, Finance One is here to help.

If you have any questions about our services or have any concerns that we can address, contact us and our friendly customer support team will be more than happy to assist you.

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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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