The smart road

to a second chance vehicle loan.

Personal Loan

Don’t be held back by a bad credit history.
Apply for a Finance One Car Loan.

Finance One understands that life’s road can be bumpy at times, so we take the long road with our personal approach to lending when assessing your individual financial situation to ensure we can find the perfect finance solution tailored to your needs.

We improve the lives of everyday Australians with our car loans for people with a bad credit history or no credit history who may have experienced defaults and bankruptcy in the past. If you have a poor credit history, there’s no need to stress just yet! We may be able to offer a car loan to you.

We make the process stress-free with our easy car finance.

Personal Loan Range

Loans from $5,000 to $75,000**

Personal Loan Term

Loan terms from 3 - 7 years

Personal Loan Time

Approvals in as little as 48 hours *

What can I use a Vehicle Loan for?

We can get you on the road fast with a Finance One Vehicle Loan. Whether a car, ute or bike for work or the weekend, a larger car for the family, caravan, or campervan for that big holiday.

  • Cars
  • 4WD
  • Utes
  • Caravans
  • Campervans
  • Boats

Can I apply for a Finance One Vehicle Loan?

Income.

Are you receiving regular income?

Step 2

Borrow.

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

Age.

Are you at least 18 years of age or older?

Step 2

Credit History.

Defaults on your credit file or discharged from bankruptcy?

It turns out I had a credit rating problem because of an old credit card debt I didn’t even know about…
I’m grateful to Finance One for getting me back on the road so quickly. If you’re having difficulty getting finance like I was, or you need extra money for repairs, give them a call.

James
Cranbourne, Victoria

It turns out I had a credit rating problem because of an old credit card debt I didn’t even know about…
I’m grateful to Finance One for getting me back on the road so quickly. If you’re having difficulty getting finance like I was, or you need extra money for repairs give them a call.

James Boyle
Cranbourne, Victoria

Loans with a personal touch.

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

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I found the service to be very good on top of everything. They made the loan a stress free service. I personally believe other lenders could learn from your services.
Errol
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Couldn’t be happier with the help I received in purchasing another car. Your staff are polite and extremely helpful I can see myself coming back again when the time comes to upgrade.
Michelle
{
Nothing but praise for the professional and friendly service you have to us and options again thank you and your team it’s always good to have someone working for you.
Graeme

Apply for a Vehicle Loan.

To apply for a loan, you will need some basic details: drivers licence details and bank details.

Let us answer your questions.

Can I get a 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.

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

Yes! Finance One will 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 will my interest rate be?

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 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?

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.

*48 hour approvals are subject to satisfactory documentation being provided to assess the application.

** $50,00 – $75,000 must be asset backed