4×4 Vehicle Loans for Bad Credit

Finance One 4WD Loan

Get your motor running!
Apply for a Finance One 4×4 or Off Road Vehicle Loan.

Sometimes you need a high-quality set of wheels to take you where you need to go. At Finance One, we help improve the lives of everyday Australians with our 4×4 finance and off road vehicle loans.

You can still apply with us if you have a bad credit history, no credit history or if you have experienced defaults or bankruptcy in the past. We take a personal approach that can help you find the right solution.

Skip the stress of applying for an off road vehicle loan and apply with Finance One.

Personal Loan Range

Off Road Vehicle Loans from $5,000 to $75,000**

Personal Loan Term

4x4 Vehicle Finance terms from 3 - 7 years

Personal Loan Time

Approvals in as little as 48 hours *

What can I use an Off Road Loan or 4×4 Vehicle Loan for?

Put an off road or 4×4 vehicle to great use for your family with the help of a loan from Finance One.

  • Family 4×4 vehicles
  • Off road vehicles
  • Adventure vehicles
  • Compact 4x4s

Can I apply for a Finance One Off Road Vehicle Loan?


Are you receiving regular income?

Step 2


Do you want to borrow between $5,000 to $75,000?**


Are you at least 18 years of age?

Step 2

Credit History.

Defaults on your credit file or discharged from bankruptcy?

Loans with a personal touch!

James Testimonial


"It turns out I had a credit rating problem because of an old credit card debt I didn't even know about, Finance One was the first finance company to give me a chance."

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Ricky Testimonial


"I’d recommend Finance One to anyone because of their flexibility and personal service. They listen to you and help you get what you need without any judgment."

Read more

Apply for an Off Road or 4×4 Vehicle Loan.

To finance an off road or 4×4 vehicle, you will need some basic details: drivers licence details and bank details.

Let us answer your questions about 4×4 finance or an Off Road vehicle loan.

Can I get an off road vehicle loan from Finance One if I have a bad credit history?

Yes! Finance One will consider applicants whose credit history includes defaults, previous bankruptcies or Part IX Debt Agreements.

What will my interest rate be on an off road vehicle loan?

Our interest rates vary, depending on your overall credit profile. This includes, but is not limited to, the stability of your employment and residence, your credit history, your income and your banking conduct.

    Can I make extra repayments, increase my repayments or pay my off road vehicle loan out early?

    All Finance One customers can make extra repayments or increase their repayment amount at any time. Finance One customers with consumer loans can pay their loan out at any time without an early pay out fee.

    What documents do I need to provide when I apply for 4x4 finance or an off road vehicle loan?

    The minimum documents we require for an application include:

    • three months of bank statements (we will provide you with our secure link to bankstatements.com.au to provide your bank statements); and
    • proof of your income; and
    • completed application form and privacy statement; and
    • ID (ie. drivers licence)