Car Loans for Bad Credit on the Gold Coast & Australia Wide

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Brisbane car finance that will get you on the road again. Brisbane car finance that will get you on the road again.

Is a bad credit history keeping you from the car you want?

If you’re like many people on Australia’s Gold Coast, you may be putting off applying for that new vehicle you need because of a bad credit history. Don’t let a bad credit history keep you from the car you need for work or school runs.

  • Loans from $8,000 to $150,000**

  • Loan terms from 3 - 7 years

  • Approvals in as little as 24 hours *

What can I use a personal loan for? What can I use a personal loan for?

Bad credit is a common problem – we understand

There are many things from the past or events outside our control that can contribute to bad credit history. We get it. But at Finance One, we don’t think that should mean you have to go without the car you’ve always wanted.

  • Cars
  • 4WD
  • Utes
  • Caravans
  • Campervans
  • Boats
Can I apply for a Finance One personal loan? Can I apply for a Finance One personal loan?

Can I apply for a Finance One personal loan?

Not only can we secure finance for our customers, but we also provide finance especially tailored to people who’ve experienced a negative credit rating in the past. Get in touch with a member of our team today to find out how we may be able to finance your next car.

  • Income

    Are you receiving regular income?

  • Borrow

    Do you want to borrow between $8,000 to $150,000?**

  • Age

    Are you at least 18 years of age?

  • Credit History

    Defaults on your credit file or discharged from bankruptcy?

Why Finance One? Because we believe in second chances

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Flexibility

Finance One customers can make extra repayments or increase their repayment amount at any time.^

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100% Australia Owned

We offer car loans for bad credit Australia wide. Apply now with our easy online loan application.

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Support

Our dedicated support team will get to know you and provide personalised service.

Application requirements for loans for motorcycles Application requirements for loans for motorcycles

You’ll be thrilled with the advantages Finance One can offer you!

Whether you’ve had an issue with an old credit card or previously filed for bankruptcy, our loans are accessible and we look at every application on a case by case basis, taking your individual situation into account.

  • No matter what budget, we have loan terms from 3 years.
  • We finance all vehicle types.
  • We have loans for people with Centrelink and pension benefits.
  • You’ll get tailor-made loans without a cookie-cutter approach.
  • Our application process is quick and easy.
  • You will receive a fast decision on your loan application.*

Frequently Asked Questions

What do I have to do to quickly apply for car finance on the Gold Coast?

Applying for a loan with Finance One can be simple and speedy. You can either fill out our online form or just ring us on 1800 346 663. Within 24 hours*, you may know if your loan has been approved. All you have to do next is complete the paperwork, and you could be on the path to a new car.

What are some of your requirements for car loans on the Gold Coast?

We have several basic requirements for our car finance for people looking for a second chance on the Gold Coast:

  • Regular income

  • A loan amount within our range (see below)

  • At least 18 years of age

Whilst there is no guaranteed car finance on the Gold Coast, we have loans for many of the applicants that apply with us.

Can I still apply if I have benefits from Centrelink?

Yes, we can accept applications from people receiving all of the following:

  • Family Tax A & B

  • Parenting Payment

  • Carer Payment

  • Disability Pension

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

What if I want to buy a ute or campervan?

You can certainly apply for a Finance One loan to buy a ute, camper van, motorbike, 4WD, caravan, a boat, as well as for a car.

Can I apply for a loan for any amount?

We can provide loans for between $8,000 and $150,000**. As long as your vehicle purchase fits in that range, the loan may work for you. The total amount of the loan is dependent on things such as your income and credit score.

Do all loans have the same interest rate?

We offer different interest rates on each loan. The terms are based on your credit history and income to determine what we think is reasonable for a payment plan.

How long could it take to pay back a loan with Finance One?

Our car loans on the Gold Coast are for terms between 3 and 7 years. We always try to make the payment period work for your personal finances.

Can I be charged for an early payout?

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.

Are you ready to get started with your loan application today?

Why wait to apply for the 4WD or car you’ve been fantasising about. You can start an application today which could mean you have your new vehicle in about a week, maybe even less*. We’re happy to answer all your questions. Call us on 1800 346 663.

*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.

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