Bad Credit Personal Loans Cairns

Personal Loan

Looking for a Personal Loan in Cairns, Australia?

Personal Loans are ideal for those who have unforeseen expenses to cover or would like to splurge on the latest merchandise without having to wait for the next paycheck. That being said, it can be difficult to acquire a Personal Loan in Cairns if you have a bad credit history.

Stumbles in the past should not prevent you from being financially flexible in the present. With Finance One, you can get the financing you need with one of the best Personal Loan providers in Cairns.

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 your financing from one of the best Personal Loan providers in Cairns

We know that your history doesn’t accurately dictate how financially capable you are today. This is why, Finance One takes a compassionate approach to the topic of personal finance, tackling every individual situation with the varied treatment it deserves. We do not consider things like bad credit history or care too much about the exact purpose of your Personal Loan. What matters to us is working closely with you to find the most optimal financial solution.

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 — offering flexible bad credit Personal Loans in Cairns

With loanable amounts that range from small to large, payment periods ranging from three to four years* and a processing time that can be as little as 48 hours* — we have some of the fastest and most flexible bad credit Personal Loans in Cairns. For a judgement- and hassle-free personal loan, Finance One is ready and willing to help you every step of the way. 

If you have any questions or concerns about getting a Personal Loan in Cairns, feel free to contact us — our highly skilled and friendly customer support team is always on standby to assist you with anything they can.

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.