Bad Credit Personal Loans Adelaide

Personal Loan

Find flexible Personal Loans in Adelaide, Australia

Personal Loans in Adelaide, Australia are tricky and often impossible to get with bad credit history. Big banks often ask a lot of information and take into account moments where you stumbled financially.

But if you’re looking for an expert and compassionate team that understands how complex life can be, then your search is over with Finance One. We offer smart and flexible Personal Loans in Adelaide to those with bad credit history — because your past shouldn’t dictate your ability to repay.

Personal Loan Range

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

Personal Loan Term

Loan Terms from 3 - 4 years

Personal Loan Time

Approvals in as little as 48 hours*

Get a Personal Loan even if you have a bad credit history

No matter what the purpose is, we believe that your personal loans are a personal matter. What’s important to us is that we work together to find the best financial solution for you regardless of any stumbles you might have had in the past. Finance One provides bad credit Personal Loans in Adelaide because we believe in second chances.

What can I use a Personal Loan for?

  • Home Improvements
  • Vehicle Accessories
  • Jet skis
  • Vehicle Repairs
  • Travel
  • Trailers
  • Education Costs
  • Weddings
  • Medical Bills

Can I apply for a Finance One Personal Loan?


Are you receiving regular income?

Step 2


Do you want to borrow between $5,000 to $25,000?**


Are you at least 18 years of age?

Step 2

Credit History.

Defaults on your credit file or discharged from bankruptcy?

Finance One — Personal Loan providers in Adelaide

A bad credit history should not be the end of your financial journey. With an ear to listen to and a mind for creative solutions, Finance One is the best Personal Loan provider in Adelaide for those who want a second chance at finance. Just get in touch with us and get the personal loan you need without any of the hassle or red tape.

And if you have any questions or concerns, don’t hesitate to contact us — no matter is too big or too small for our friendly customer support team.

Let us answer your questions.

How long will it take for a loan application to be processed?
If you have provided all of the information required for your application we can have an answer back to you in as little as 24 hours and up to 48 hours.
What can I get a personal loan for?
You can get a personal loan for a holiday, travel, weddings, engagement ring, medical and dental expenses, renovations and home improvements, vehicle accessories and repairs, jetskis, boats, mowers, off road bikes and dirt bikes, office equipment, university expenses, back to school expenses.
Can I make extra repayments, increase my repayments or pay my personal 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 with no penalty as we have no early pay out fees.
What documents do I need to provide when I apply for a personal loan?

The minimum documents we require for an application include:

  • 3 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
  • Completed application form and privacy statement
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.
I have poor credit history or defaults on my credit file, can you help me?
If you have had bad credit, poor credit or defaults listed on your credit file in the past, we may still be able to assist you. Contact us now to see how we may be able to help.
I’ve been discharged from bankruptcy can you help me?
We will consider applicants for a personal loan that have been discharged from bankruptcy for a minimum of 6 months.
What is a bad credit personal loan?
A bad credit personal loan is a loan that provides finance options to people who have had previous poor credit including defaults, previous bankruptcies or Part IX Debt Agreements.