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

Finance One understands that life is not always smooth sailing, so we take the time to fully understand your individual financial situation with our personal approach to lending. We improve the lives of everyday Australians with our loans for people with a bad credit history or no credit history who may have experienced defaults or bankruptcy in the past. There is no one-size-fits-all approach at Finance One because we think differently about credit.

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

You’re not alone.

We have provided finance to thousands of people who have faced challenges accessing finance. 

Poor or no credit history?

Discharged from bankruptcy?

Defaults on your credit file?

Steps to obtaining a Finance One Loan.

Talk to our friendly team.

Call us on 1800 346 663 or complete our enquiry form.

Step 2

Get approved.

We can have an answer to you in as little as 48 hours!*

Step 3

Pay it off faster.

Our consumer loans have no early pay out fees!  

Steps to obtaining a loan

Why Finance One? Because we believe in second chances.

Since 2010, Finance One has taken a compassionate and flexible approach to lending to everyday Australians.

We strive to find finance solutions for everyone – even those who have been rejected by the banks. We go above and beyond to help provide smart solutions to your finance problems.

Flexible Loan Repayments


Finance One customers can make extra repayments or increase their repayment amount at any time.

100% Aussie

100% Aussie

With offices in Townsville and Brisbane our team is ready to assist you in finding financial success.

Personal Loan Time


Our dedicated support team will get to know you and provide personalised service.

Apply for a personal 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 personal 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 profile including but not limited to your stability in employment and residence, your credit history, affordability and your banking conduct. 

Can I make extra repayments, increase my repayments or pay my 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 as we have no early pay out fees.

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 hours approvals are subject to sufficient documentation being provided to assess the application.