Bad Credit Personal Loans Melbourne

Personal Loan

Looking for personalised financing?

If you’re looking for Personal Loans in Melbourne, Australia, look no further than Finance One. Our team of experts are customer-focused and take the time to understand every individual’s situation in life. We strive to offer some of the most flexible Personal Loans in Melbourne — even to those with bad credit history.

At Finance One, we have the financing you need to live life to the fullest regardless of past stumbles.

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 Personal Loans even with a bad credit history

Whether it’s to pay for a Melbourne wedding, travel, home improvements or anything in between, you can come to us for anything because we believe that a personal loan is just that — personal. We offer bad credit Personal Loans in Melbourne because we know that your history should not be the basis of your ability to repay. 

At Finance One, we understand that circumstances change and that you deserve a second chance.

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 Melbourne

No matter what your stumbles were in the past, Finance One is always ready to help you find the most ideal solution for the present. With compassion and innovation behind everything we do, securing personal finance does not have to be a tricky or long process. As an award-winning Personal Loan provider in Melbourne, discover your new financial partner when you get in touch with us today.

And if you have any questions or concerns, simply contact our friendly customer support teams — there’s no finance-related problem too big or too small for us to handle together.

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.