Personal Loans for Life Events, Even with Bad Credit
Personal finance for weddings, medical and dental needs, veterinary care, and vehicle repairs.
Apply for a Finance One personal loan
Life can be unpredictable. Some moments come with time to prepare, while others arrive without warning. If you’ve had trouble getting finance approval because of a poor or bad credit history, it can make managing these costs feel more challenging. At Finance One, we focus on your current situation, not just your credit score, and provide clear information to help you understand your options. A Personal Loan from Finance One provides flexible support with clear information and simple repayment options.
Finance One personal loans
We take a practical, understanding approach to lending. If you have a poor credit history, past defaults or a discharged bankruptcy, we may still be able to consider your application by looking at your overall circumstances.
Borrow from $5,000 to $25,000**
Loan terms from 3-4 years
Flexible repayment options^
**Normal lending criteria, fees and charges apply.
What can a personal loan be used for?
A Personal Loan can help you cover expenses for the following life events:
Medical Treatments
Medical expenses can arise quickly and unexpectedly. If you’ve faced credit challenges in the past, dealing with out-of-pocket bills can create unexpected pressure. A personal loan can help you access treatment and spread costs over time.
Common uses include:
✔ Specialist consultations and diagnostic tests
✔ Elective procedures or treatments
✔ Out-of-pocket hospital costs
✔ Rehabilitation and recovery expenses
✔ Medical equipment or health aids
This allows you to focus on your health, not immediate financial pressure.
Dental Treaments
Urgent or major dental work can be expensive. A personal loan can give you a practical way to cover essential treatment without delay, even if you’ve had difficulty getting finance approved in the past.
You can use it for:
✔ Emergency dental procedures Crowns, implants and restorative dentistry
✔ Orthodontics such as braces or aligners
✔ General dental care
✔ Cosmetic dentistry when required
This helps you stay on top of your dental health with clear repayment options.
Veterinary Care
Pets are part of the family, and unexpected vet bills can be stressful. If your credit history has made borrowing difficult, a personal loan may help you access the care your pet needs.
You can use it for:
✔ Emergency vet treatment
✔ Diagnostic tests
✔ Surgeries and hospitalisation
✔ Medications and aftercare
✔ Long-term treatment plans
This helps you prioritise your pet’s wellbeing without worrying about upfront costs.
Vehicle Repairs
When your car breaks down, it affects work, family commitments, and your daily routine. A personal loan can help you manage essential repair costs, especially if you’ve had credit challenges before.
You can use it for:
✔ Mechanical repairs and replacement parts
✔ Tyres, brakes, batteries and engine work
✔ Insurance excess
✔ Roadworthy or inspection requirements
✔ Major servicing
This helps you stay mobile and avoid disruptions to your day-to-day life.
Weddings
Planning a wedding comes with many upfront costs, and it can feel harder to manage when you’ve had past credit issues. A personal loan can help you organise your special day without the pressure of paying for everything at once.
You can use it for:
✔ Venue deposits and hire fees Catering and bar services
✔ Photography and videography
✔ Dresses, suits and accessories
✔ Styling, flowers and wedding essentials
This gives you more time and flexibility to prepare for your wedding while keeping repayments manageable.
Eligibility criteria for a Finance One personal loan
To apply for a personal loan with Finance One, you must meet some basic criteria:
- Be at least 18 years of age.
- Be an Australian resident.
- Be able to provide proof of regular income (from employment, self-employment or approved Centrelink benefits).
- Looking to borrow between $5,000 and $25,000.**
Steps to obtaining a Finance One personal loan
Step 1
Apply online.
Complete our online form or call us on 1800 346 663 to talk to one of our friendly team.
Step 2
Get approved.
We can have an answer to you in as little as 24 hours!*
Step 3
Settle your loan.
Our friendly team will support you through every step.
Why Finance One? Because we believe everyone deserves a second chance, even if they’ve had bad credit in the past
Flexibility
Finance One customers can make extra repayments or increase their repayment amount at any time.^
100% Australia Owned
With offices in Townsville and Brisbane, our team is ready to assist you with personalised support.
Support
Our dedicated team takes the time to understand your situation and provide guidance that’s clear and practical.
Since 2010, Finance One has taken a practical and flexible approach to lending for everyday Australians. We focus on understanding each customer’s circumstances
and aim to provide finance solutions that are tailored, supportive and designed to help you move forward with confidence. Our team takes the
time to look beyonda one-size-fits-all approach, offering smart and considered options to suit your needs.
Frequently Asked Questions
What can I use a Personal Loan for?
Can I apply if I have a bad credit history?
What interest rate will I receive?
Can I make extra repayments?
What documents do I need?
*24 hour approvals are subject to satisfactory documentation being provided to assess the application. Normal lending criteria, terms & conditions and fees & charges apply.
**Normal lending criteria, terms & conditions, and fees & charges apply
^Early repayment fees may apply. Please refer to your loan terms and conditions or contact us to confirm if an early payout fee applies to your loan.