Small Loans Cairns

Loans from $2,001 to $5,000**

Personal Loans

Get your much-needed Small Loan in Cairns

Small Loans are easy financial tools that you may take out to boost your flexibility when you need them. It can be used for many things such as buying the latest technology, vacationing to exotic destinations or covering unexpected expenses that would otherwise drain your life’s savings. Obtaining a Small Loan in Cairns, however, might be difficult, especially if you have a less-than-perfect credit history. 

Luckily, Finance One was established to solve this specific issue. We provide people with a second shot at finance, regardless of previous defaults or bankruptcies.

Normal lending criteria, terms & conditions and fees & charges apply.

Bad credit history? No problem!

We recognise that mistakes made in the past do not define who you are now. Times were different then, and your credit history does not represent your values as a responsible borrower. This is why Finance One offers some of the most flexible and personalised bad credit Small Loans  in Cairns, Australia. 

Rather than dealing with indifferent financial institutions rummaging through your personal history, get the solution you require from a compassionate team of experts. You can count on us to provide you with the second chance at financing you deserve.

Personal Loan Range

Loans from $2,001 to $5,000**

Personal Loan Term

Loan terms from 1 month to 24 months

Personal Loan Time

Approvals in as little as 24 hours*


Are you receiving regular income?

Step 2


Do you want to borrow over $2,001 but less than $5,000**


Are you at least 18 years of age?

Step 2

Credit History.

Defaults on your credit file or discharged from bankruptcy?

Finance One —Small Loan providers in Cairns, Australia

Finance One is on the customer’s side. Our Small Loans in Cairns provide short to medium-term payment terms and approval timeframes as fast as 48 hours*. When it comes to serving the demands of our clients, we don’t beat around the bush or care if you have a negative credit history. All we want to do is be your greatest financial partner.

If you have any questions about obtaining a loan from the best Small Loan provider in Cairns, please contact us and our friendly customer support team will assist you every step of the way.

Let us answer your questions.

Can I apply for a Small Loan 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 about applying for a Small Loan today.

Can I make extra repayments, increase my repayments or pay my Small Loan out early?

Yes, Finance One customers can make extra repayments or increase their repayment amount at any time. Finance One offers flexible repayments and customers with Small Loans can pay out their loans at any time without any early payout fees.**

What documents do I need to provide when I apply?

The minimum documents we require for an easy application include:

  • Most current 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 consent statement.
How quickly could I receive my Small Loan funds?

We could provide you with a 24 hour approval!*

Approvals are subject to satisfactory documentation being received to assess the application.

Can I apply for a Small Loan if I'm receiving Centrelink benefits?

If we are satisfied that you can keep on top of your loan repayments, you may be able to apply for a Small Loan even if you receive Centrelink payments or Government benefits. Whether you’re receiving parenting payments, youth allowance, Carer Payments or another type of benefit, your Centrelink income statement will show us what income you are receiving.