A Smart Road

to a second chance personal loan.

Personal Loan

Don’t be held back by bad credit
with a Finance One Personal Loan.

We understand that life can be unpredictable, with a Finance One Personal Loan you don’t have to miss out – even if you’ve experienced a bad credit history! We’re committed to helping people solve their financial problems with second chance finance. We recognise that on the journey through life, life happens! Subsequently, we take more than your credit history into account so that we are able to offer loans for people with bad credit. We take the stress out of finance and help make the process quick and easy.

Personal Loan Range

Loans from $5,000 to $20,000

Personal Loan Term

Loan Terms from 36-48 months

Personal Loan Time

Approvals in as little as 24 hours

What can I use a Personal Loan for?

We can consider your application for a personal loan even if you have been discharged from bankruptcy or have had poor or bad credit including defaults on your credit file in the past. If you’re in need of quick loans with bad credit, we can work with you to find a solution to your finance needs. We understand that sometimes bad credit just happens – we get it!

We have helped thousands of everyday Australians in similar situations.

  • Home Improvements
  • Vehicle accessories
  • Jet skis
  • Vehicle Repairs
  • Travel
  • Trailers
  • Education Costs
  • Weddings
  • Medical bills

Do I qualify for a Finance One Personal Loan?


Are you receiving regular income? 

Step 2


Do you want to borrow between $5,000 to $20,000?


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.

Take a look at what our clients have to say about us! 

[el_md_testimonial_extended testimonial_layout=”layout4″ testimonial_per_slide=”3″ testimonial_number=”3″ include_categories=”33″ equal_testimonials_height=”on” show_author_image=”off” show_author_designation=”off” show_author_company_name=”off” show_arrow=”off” control_dot_active_color=”#F2A71E” quote_icon_size=”55px” quote_icon_color=”#F2A71E” custom_position_quote_icon=”on” quote_icon_position_top=”5%” quote_icon_position=”quote_center” show_rating=”off” _builder_version=”4.4.7″ body_line_height=”2.1em” author_font=”|700|||||||” custom_margin=”20px||0px||false|false” custom_padding=”||0px||false|false” border_radii=”on|35px|35px|35px|35px” border_width_all=”1px” border_color_all=”rgba(56,60,71,0.34)” _i=”0″ _address=”″ /]

Let's make it happen!

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.