Bad Credit Personal Loans Canberra

Personal Loan

Finance One – Personal Loan providers in Canberra

Personal Loans in Canberra are hard to come by when you have a bad credit history. Although we all make mistakes and have financial stumbles from time to time, big banks tend to be less forgiving when deciding who deserves a helping hand. Luckily, Finance One is in the business of giving people second chances — considering you the Personal Loan you need without much fuss. 

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*

Don’t let bad credit history hold you back

We can offer bad credit Personal Loans in Canberra, Australia because we believe that your past does not define you. We understand how complicated life can be sometimes — which is why we don’t hold that against you. We’re a firm believer that missteps made due to certain circumstances shouldn’t be the basis for your ability to repay financial obligations. 

At Finance One, our team of customer-oriented experts are ready to hear you out and give you the personalised solution you need — regardless of purpose or credit history.

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 — bad credit Personal Loans

Finance One is an award-winning Personal Loan provider in Canberra that takes pride in having been there for thousands of Australians over the years. Whether it’s for a wedding, home renovation, travel or purchasing new vehicle accessories, what we truly care about is that we work together to find the most ideal financial solution for you.

If you have any questions about our service or concerns you think we should address, feel free to contact our friendly customer support team — no matter is too big or small for us to assist you with!

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.