Car Loan Calculator

Use the calculator below to give you an idea of what your car loan repayments may look like.

Car Loan Calculator
Calculator Disclaimer

The figures and rates shown using this calculator are an estimate only, based on information you have provided, and are subject to change. The calculator is intended for use as a guide only, and we do not guarantee its accuracy or applicability to your circumstances. The calculations do not constitute a quote, loan approval, offer, agreement or advice. To find out actual repayment amounts, please complete our online application. All applications are subject to approval and normal lending criteria, terms, conditions, fees and charges apply.

Ready to get started?

Finance One Car Loan Features

Personal Loan Range

Loans from $5,000 to $75,000**

Personal Loan Term

Loan terms from 3 - 7 years

Personal Loan Time

Approvals in as little as 48 hours *

Can I apply for a Finance One Loan?


Are you receiving regular income?

Step 2


Do you want to borrow between $5,000 to $75,000? **


Are you at least 18 years of age or older?

Step 2

Credit History.

Defaults on your credit file or discharged from bankruptcy?

Loans with a personal touch.

Take a look at what our clients have to say about us!

I found the service to be very good on top of everything. They made the loan a stress free service. I personally believe other lenders could learn from your services.
Couldn’t be happier with the help I received in purchasing another car. Your staff are polite and extremely helpful I can see myself coming back again when the time comes to upgrade.
Nothing but praise for the professional and friendly service you have to us and options again thank you and your team it’s always good to have someone working for you.

Apply for a Car Loan.

To apply for a loan, you will need some basic details: drivers licence details and bank details.

Let us answer your questions.

Can I get a loan from Finance One if I have a bad credit history?

Yes! Finance One will consider applicants whose credit history includes defaults, previous bankruptcies or Part IX Debt Agreements.

Can I apply for a loan if I receive a pension or Centrelink benefits?

Yes! Finance One will 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
What will my interest rate be?

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

Can I make extra repayments, increase my repayments or pay my loan out early?

All Finance One customers can make extra repayments or increase their repayment amount at any time. Finance One customers with consumer loans can pay their loan out at any time without an early pay out fee.

What documents do I need to provide when I apply?

The minimum documents we require for an application include:

  • three months of bank statements (we will provide you with our secure link to to provide your bank statements); and
  • proof of your income; and
  • completed application form and privacy statement.

*48 hour approvals are subject to satisfactory documentation being provided to assess the application.

** $50,000 – $75,000 must be asset backed