Home Renovation Finance with Bad Credit


A bad credit history doesn’t have to hold you back from having a beautiful home.
Apply for a loan for your Home Renovation with Finance One.

Owning a home is a dream come true but keeping it in good condition can be a nightmare.

If you need to renovate or fix your home, talk to Finance One about stress-free finance.

Loans for Home Renovation are available for amounts between $5,000 to $25,000**, even if you have a bad credit history. Make your home your happy place with a loan for Home Renovations from Finance One.

Talk to us about your options today.

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*

What can I use Home Renovation Finance for?

Renovate your home and give it the lift it deserves, with our secured and unsecured Personal Loans for Home Renovations. We can even accept applicants with a bad credit history. Our Personal Loans for Home Renovations can be used to finance:
  • New kitchens
  • New bathrooms
  • Minor or major repairs
  • New roofs
  • New floors
  • Outdoor areas
  • Plus more!
  • New kitchens
  • New bathrooms
  • Minor or major repairs
  • New roofs
  • New floors
  • Outdoor areas
  • Plus more!

Can I apply for a Finance One Loan for Home Renovations?


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?

Why Finance One? Because we believe in second chances.

Since 2010, Finance One has taken a compassionate and flexible approach to lending to everyday Australians.

We strive to find finance solutions for everyone – even those who have been rejected by the banks. We go above and beyond to help provide smart solutions to your finance problems.

Flexible Loan Repayments


Finance One customers can make extra repayments or increase their repayment amount at any time.

100% Aussie

100% Aussie

With offices in Townsville and Brisbane our team is ready to assist you in finding financial success.

Personal Loan Time


Our dedicated support team will get to know you and provide personalised service.

Apply for a Loan to Renovate Your Home.

To apply for Home Renovation Finance, you will need some basic details including your drivers licence details and bank details.

Let us answer your questions.

Can I apply for a loan for Home Renovation from Finance One if I have a bad credit history?

Yes! Finance One can consider applicants whose credit history includes defaults, previous bankruptcies or Part IX Debt Agreements. Talk to us to find out more.

Can I apply for a loan if I receive a pension or Centrelink benefits?

Yes! Finance One can consider applicants who receive any of the following:

  •  Family Tax A & B
  • Parenting Payment
  • Carer Payment
  • Aged Pension
  • Disability Pension
  • Department of Veterans’ Affairs (DVA) Service Pension/Partner Service Pension
What could the interest rate be on my loan for Home Renovations?
Our interest rates on Personal Loans to renovate vary depending on your overall credit profile. This includes, but is not limited to, the stability of your employment and residency status, your credit history, your income and your banking conduct.
Can I make extra repayments, increase my repayments or pay my Home Renovation Finance out early?

All Finance One customers who have a Personal Loan to renovate their home can make extra repayments or increase their repayment amount at any time. Finance One customers with Personal Loans can also pay their loan out at any time without an early payout fee.

What documents do I need to provide when I apply?

The minimum documents we require for a loan application for Home Renovations include:

  • Three 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; and
  • Completed application form and privacy statement.