Personal Loans

Loans from $5,000 to $25,000 **

Personal Loans

Don’t be held back by a bad credit history.
Apply for a Finance One Personal Loan.

Finance One understands that life is not always smooth sailing, so we take the time to fully understand your individual financial situation with our personal approach to lending. We help improve the lives of everyday Australians with our loans for people with a bad credit history or no credit history who may have experienced defaults or bankruptcy in the past. There is no one-size-fits-all approach at Finance One because we think differently about credit.

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

We will consider…

We have provided finance to thousands of people who have faced challenges accessing finance. 

✓ Poor or no credit history

✓ Discharged from bankruptcy

✓ Defaults on your credit file

Steps to applying for a Finance One Personal Loan.

Talk to our friendly team.

Call us on 1800 346 663 or complete our enquiry form.

Step 2

Get approved.

We can have an answer to you in as little as 24 hours!*

Step 3

Pay it off faster.

Our Consumer Loans have no early pay out fees!  

Why Finance One? Because we believe in second chances.

Since 2010, Finance One has taken a compassionate and flexible approach to lending to everyday Australians.

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 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.

Let us answer your questions.

Can I apply for a Personal Loan from Finance One if I have a bad credit history?

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

What could my interest rate be?

Our interest rates vary depending on your overall profile, including but not limited, to your stability in employment and residency status, your credit history, affordability and your banking conduct. 

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

Yes, you can make extra repayments or increase your repayments. 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.

What documents do I need to provide when I apply?

The minimum documents we require for a Consumer Loan application include: 

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