Vehicle Loans

Yes! Finance One can consider applicants whose credit history includes defaults, previous bankruptcies or Part IX Debt Agreements. Many customers come to us for bad credit car loans or other vehicle loans after being declined by traditional lenders, including options like caravan loans or off-road vehicle finance.

Yes! Finance One can consider applicants who receive any of the following:

• Family Tax A & B

•  Parenting Payment

• Carer Payment

• Aged Pension

• Disability Pension

• Department of Veterans’ Affairs (DVA) Service Pension/Partner Service Pension

We also help with flexible finance options like bad credit personal loans if you need support beyond vehicles.

Our interest rates can vary depending on your overall credit profile. This includes, but is not limited to, the stability of your employment and residency status, your credit history, your income and your banking conduct.

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.

The minimum documents we require for a consumer loan application include:

• three 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; and

• completed application form and privacy statement.

Depending on the loan type, such as a boat or jet ski loan or a registerable trailer loan, we may request additional details specific to the vehicle.

At Finance One, we make the process straightforward, even if you've had credit challenges in the past. Our vehicle loans are varied, from motorbike finance to vehicle repair financing, to give you options when the banks say no. To get started, fill out our application form online, and we'll guide you from there.