Personal Loans That Fit Your Life
Flexible personal finance loans from $5,000 to $25,000*
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Apply for a Finance One personal loan
Simple, flexible personal loans made easy
Life comes with moments, both planned and unexpected, that sometimes need extra financial support. Medical or dental treatments, veterinary care, travel plans, weddings and essential vehicle repairs can appear quickly and often require upfront payment. A personal loan from Finance One can help you manage these life events with clarity and confidence.
We offer personal loans in Australia from $5,000 to $25,000*, designed to support both planned and unexpected expenses. Every application is assessed individually, allowing us to provide practical guidance and loan options that suit your circumstances, goals and timeline.
Personal loan features
We understand that every situation is different. We assess each application individually and provide clear, practical guidance throughout the process. Our focus is on helping you access a personal loan that suits your needs, timing and financial goals.
Whether you are preparing for something meaningful or handling an important expense, we aim to keep the process simple, flexible and supportive. With straightforward communication, practical repayment options and an easy application experience, you can make an informed decision with confidence.
A Finance One personal loan helps you move forward with manageable repayments from your everyday budget.
*Normal lending criteria, terms & conditions and fees & charges apply.
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Loans from $5,000 to $25,000*
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Loan terms from 3 - 4 years
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Approvals in as little as 24 hours**
What can you use a personal loan for?
Life Events
Life events often come with costs that are important, time-sensitive or too large to manage all at once. A personal loan can help you organise these expenses so you can focus on what matters most.
You can use a personal loan for a range of life-event needs, including:
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Medical treatments
For specialist consultations, diagnostic tests, scans, elective procedures, outpatient care, recovery equipment or treatment plans that need to be booked and paid for promptly.
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Dental treatments
For emergency dental work, major procedures, restorative treatments, orthodontics, crowns, implants or other essential dental care not fully covered elsewhere.
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Veterinary care
For emergency vet treatment, diagnostic testing, surgery, medications, specialist care or ongoing treatment for pets.
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Weddings
For venue deposits, catering, photography, attire, décor, entertainment and other essential bookings that require upfront payment.
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Vehicle Repairs
For mechanical repairs, essential repairs, replacement parts, or unexpected mechanical issues.
Travel
Travel often requires upfront payment, especially when securing flights, accommodation or making time-sensitive arrangements. A travel personal loan can help you plan your trip with confidence, whether you’re visiting family, attending an important event or taking a much-needed break.
You can use a travel-focused personal loan for:
- Flights and long-distance transport
- Accommodation or travel packages
- Travel insurance
- Luggage and travel essentials
- Car hire or local transport
- Urgent or last-minute trips
Who can apply for a Finance One personal loan?
We’ve supported thousands of Australians looking for a lender that takes a personalised, common-sense approach to assessing applications. Whether you’re planning for a major life event or need funding for travel or unexpected expenses, we review every application individually.
You may be eligible for a Finance One personal loan if you meet the basic criteria below.
Eligibility criteria for a Finance One personal loan
To apply for a personal loan with Finance One, you must meet some basic criteria:
- Be at least 18 years of age.
- Be an Australian resident.
- Be able to provide proof of regular income (from employment, self-employment or approved Centrelink benefits).
- Looking to borrow between $5,000 and $25,000*
How to apply for a Finance One personal loan online
Step 1
Apply online.
Complete our online form or call us on 1800 346 663 to talk to one of our friendly team.
Step 2
Get approved.
We can have an answer to you in as little as 24 hours**, subject to documentation and assessment.
Step 3
Settle your loan.
Our friendly team will support you through every step.
Why Finance One?
Flexibility
Finance One customers can make extra repayments or increase their repayment amount at any time.^
100% Australian Owned
With offices in Townsville and Brisbane, our team is ready to assist you in finding financial success.
Support
Our dedicated support team will get to know you and provide personalised service from enquiry to settlement.
Since 2010, Finance One has taken a practical and flexible approach to personal loan lending for everyday Australians.
We focus on understanding each customer’s circumstances and aim to provide finance solutions that are tailored, supportive and designed to help you move forward with confidence. Our team takes the time to look beyond a one-size-fits-all approach, offering smart and considered options to suit your needs.
Frequently Asked Questions
What could my interest rate be?
Can I make extra repayments, increase my repayments or pay my loan out early?
What documents do I need to provide?
What can I use a personal loan for?
Will a personal loan affect my credit score?
Can I apply if I’ve had credit challenges in the past?
*Normal lending criteria, terms & conditions and fees & charges apply.
^Early payout 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.
**24 hour approvals are subject to satisfactory documentation being
provided to assess the
application.