Bad Credit Personal Loans Sydney

Personal Loan

Don’t let past stumbles stop you

If you have a bad credit history, applying for a Personal Loan in Sydney can be challenging. From facing rejected applications for financing to dealing with sky-high interest rates, finding a Personal Loan in Sydney that suits your needs can be difficult.

We understand that past hiccups should not be the basis of how reliable you are to manage a personal loan. That’s why at Finance One, we take the lead in providing bad credit Personal Loans in Sydney, Australia.

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 the Personal Loan you need even with bad credit history

Whether it’s for travel, business, a wedding or to cover medical expenses, we understand that sometimes there are pressing matters that a Personal Loan can solve. We take a personal approach to lending and are fully ready to accept those who have experienced defaults or bankruptcy in the past. When it comes to applying for a Personal Loan in Sydney with a poor credit history, trust Finance One and get the unbiased and compassionate attention you deserve.

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 — the best Personal Loan Provider in Sydney

Finance One views credit history and personal loans very differently from other Personal Loan providers in Sydney. We understand that past mistakes should not prevent you from getting the loan you need today — everyone deserves a second chance. With an ear that’s always ready to listen and a mind that focuses on nothing but finding the best solutions, Finance One is here to help.

If you have any questions about our services or have any concerns that we can address, contact us and our friendly customer support team will be more than happy to assist you.

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.