Business Car Loans with Bad Credit


Don’t be held back by a bad credit history.
Apply for a Business Car Loan from Finance One Commercial.

 Finance One Commercial understands that life’s road can be bumpy at times. We take the high road with our personal approach to lending when assessing your business’ financial situation to ensure you can apply for a loan for the vehicle you need.

We can help Australian businesses to grow by offering vehicle financing and car loans, even if you have a bad credit history or no credit history, or even if you have experienced defaults and bankruptcy in the past.

We make the process as stress-free and easy as possible with our Business Car Loans.

Personal Loan Range

Loans from $8,000 to $150,000**

Personal Loan Term

Loan terms from 3 - 7 years

Personal Loan Time

Approvals in as little as 24 hours*

What can I use a Business Car Loan for?

We may be able to help keep your business on the road with Business Vehicle Finance, even if you have a bad credit history. Talk to us about loans for:
  • Commercial vehicles
  • Fleet cars
  • Commercial trucks and utes
  • Commercial specialised vehicles
  • Commercial vehicles
  • Fleet cars
  • Commercial trucks and utes
  • Commercial specialised vehicles

Can I apply for a Finance One Commercial Vehicle Loan?


Are you receiving regular income?

Step 2


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



Are you at least 21 years of age?

Step 2

Credit History.

Sole traders – defaults on your credit file or discharged from bankruptcy?

Why Finance One Commercial? Because we believe in second chances.

Finance One Commercial takes a compassionate and flexible approach to lending to everyday Australian Businesses.

We strive to find finance solutions for everyone – even those who have been rejected by the banks. We go above and beyond to help provide smart solutions to your finance problems.

Flexible Loan Repayments


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

100% Aussie

100% Aussie

With offices in Townsville and Brisbane our team is ready to assist you in finding financial success.

Personal Loan Time


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

Apply for Business Vehicle Finance.

To apply for a business loan, you will need your ABN/ACN, driver’s licence details, basic details about your business (operating years, structure, and turnover) and business account statements.

Let us help answer your questions.

Can I apply for a Car Loan for my business with bad credit?

Finance One Commercial offers Commercial Vehicle Finance for businesses with a bad credit history. Contact us to discuss your options for a Business Car Loan to help you stay on the road.

How much can I apply to borrow for a Business Car Loan with a bad credit history?

The amount of money you can apply to borrow for a Commercial Car Loan depends on a few different factors. Contact Finance One Commercial and we can explain your options.

What could my interest rate be on a Commercial Vehicle Loan?

Commercial Vehicle Financing in Australia is available from a number of lenders, at a number of different interest rates. If you want to apply for Commercial Vehicle Finance and have a bad credit history, Finance One Commercial may be able to customise an interest rate for you. Interest rates may vary depending on your overall credit profile, including but not limited to, your stability of income and residency, your credit history and your banking conduct.

What documents will I need to provide?

At a minimum, Finance One Commercial will require:

  • A completed application form;
  • A signed Privacy Consent form;
  • Identification documents; and
  • The most recent six months of bank account statements of the business, submitted via the secure bankstatements.com link we provide to you.
How long does my business need to be active to apply for a Business Car Loan?

Finance One Commercial can consider applicants who have had an ABN for 6 months or more and who are earning consistent income.

What terms do you offer for Business Car Loans?

The terms for a Business Car Loan, or Business Car Finance, for businesses with a bad credit history, may vary depending on your needs and the needs of your business. Talk to us about the Business Auto Loan Finance you may need and we can explain your options.