Small Loans Melbourne

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

Personal Loans

Don’t let history get in the way of the future

Small Loans can be a suitable option for people who need to cover unexpected costs or simply want to treat themselves to the newest items. Having said that, getting a Small Loan in Melbourne can be quite challenging — especially since some lenders offer a high minimum amount to borrow.

Don’t be forced to borrow more than you want. Obtain the funds you need via Finance One, one of the top bad credit Small Loan providers in Melbourne.

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

Get the best bad credit Small Loan in Melbourne, Australia

We provide some of the fastest* and most flexible bad credit Small Loans in Melbourne. With loanable amounts of different sizes, repayment terms of 1 month to 24 months and processing times as quick as 48 hours*, Finance One is prepared and happy to assist you with applying for a Small Loan without judgement or fuss. 

These are why Finance One has received countless honours throughout the years in addition to the devoted loyalty of thousands of happy clients.

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 Melbourne

We  are strong believers that your past should not influence your current financial situation. Finance One approaches the subject of personal finance with empathy, giving each unique circumstance the attention it requires. We don’t pay too much attention to details like a poor credit history — instead working together with you to identify the best financial solution is important to us. 

Feel free to get in touch with us if you have any questions or concerns about applying for a Small Loan in Melbourne. Our knowledgeable and helpful customer support team is always available to help you in any way they can.

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.