Personal Loans

The smart road to a second chance personal loan.

Personal Loans

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

Personal Vehicle Loans

Vehicle Loans

Cars, motorbikes, caravans, campervans, boats, registerable trailers, and jet skis.


Learn more

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

You’re not alone.

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 obtaining a Finance One 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 48 hours!*

Step 3

Pay it off faster.

Our consumer loans have no early pay out fees!  

Steps to obtaining a loan

Loans with a personal touch.

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

Abby from Finance One was an absolute star. She processed everything super, and I had a tight time line. Which they met. Recommend them to anyone.
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 service’s.
Great service! A smooth, easy process. Staff were fantastic at keeping me informed from my first enquiry all the way through to approval.

Apply for a personal 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 personal 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 profile including but not limited to your stability in employment and residence, 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. For consumer loans you are able to pay your loan out early as we have no early pay out fees.

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 hours approvals are subject to sufficient documentation being provided to assess the application.