Loans for Aussies with a Bad Credit History

  •  Loans from $5,000 – $75,000**
  •  Approvals in as little as 48hrs*
  •  No penalty for early payout#
  •  Bad credit history & defaults considered

You are more than a credit score


Have you had a default?


Been discharged from bankruptcy?

Missed Payment

Missed payment on bills?

Do it your way

We know one size doesn’t fit all so why should your loan be that way!

Personalised Rates

Personalised interest rate

We take the time to understand your unique circumstances and can offer you a rate that is suited to your credit history.


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

If you’re looking for a motorbike to make the commute to work easier or a campervan to get off road on the weekends, we could help.

Pay It Off Sooner

Pay it off sooner

If you want to pay extra every week and pay your loan off sooner, our consumer loans have no early pay out fees!#

Let’s make it happen!

Client Testimonial

I was rejected by the banks for bad credit, so I thought I’d give this a shot! They made the process so easy. Found the car I wanted on Tuesday and drove out on Friday with everything finalised!! Very friendly people to deal with!” 

– Joshua

Why Finance One?
Because we believe in second chances

In this together

In this together

We can tailor our loans and repayment solutions to meet your very own needs and circumstances.

100% Aussie

100% Aussie

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

You are more

You are more

We see you as more than your credit file. Don’t hold back and enjoy the important things in life.

Ready to make it happen?

Complete the form below and one of our consultants will be in touch to discuss your loan options and how we can personalise your interest rates.


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

**Loans between $50,000 – $75,000 must be asset backed.

# No early payout only applies to Finance One Consumer Loans.

Normal lending criteria, terms & conditions and fees & charges apply.

Finance One means:
Fin One Pty Ltd – ABN: 80 139 719 903
Australian Credit Licence: 387528

Finance One Commercial Pty Ltd – ABN 18 634 900 548

Head Office 49 Dalrymple Road, Garbutt QLD 4814
Postal Address PO Box 339, Hyde Park Castletown, QLD 4812
Phone: 1800 346 663