Vehicle Loans
Loans from $5,000 to $150,000**
Don’t be held back by a bad credit history.
Apply for a Finance One Vehicle Loan.
Finance One understands that life’s road can be bumpy at times, so we take the high road with our personal approach to lending when assessing your individual financial situation. Our goal is to help you find the right solution so you can get back on the road sooner.
We help improve the lives of everyday Australians with our vehicle loans for people with a bad credit history, no credit history or those who have experienced defaults and bankruptcy in the past. If you’ve had trouble with finance before, there’s no need to stress just yet! We may be able to offer a vehicle loan to you.
We make the process as stress-free and as easy as possible with our car financing.
Normal lending criteria, terms & conditions and fees & charges apply.
Applicants we consider…
We have provided finance to thousands of people who have faced challenges accessing finance. Even if the banks have said no, we may be able to help with our vehicle loans. We regularly assist customers with:
✓ Poor or no credit history
✓ Discharged from bankruptcy
✓ Defaults on your credit file
If that sounds like you, don’t assume you’re out of options for car loans. We know life doesn’t always go to plan, and that’s okay. We’ll work with you to find a solution that makes sense for your circumstances.
Can I apply for a Finance One
Vehicle Loan?
At Finance One, we aim to make our vehicle loan application process as stress-free as possible. If you meet the following basics, you may be eligible to apply:
Income.
Are you receiving regular income?
Borrow.
Do you want to borrow between $5,000 to $150,000?**
Age.
Are you at least 18 years of age?
Credit History.
Defaults on your credit file or discharged from bankruptcy?
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.
Flexibility
Finance One customers can make extra repayments or increase their repayment amount at any time.^
100% Australian Owned
With offices in Brisbane and Townsville our team is ready to assist you in finding financial success.
Support
When it comes to vehicle and car loans, we understand that you’re more than a credit score. We’re here to help you find a solution that puts you back in control.
Apply for a Vehicle Loan Today
Applying for a vehicle loan at Finance One is simple. Gather your driver’s licence details, basic information about your income and recent bank statements, and get started with the form below.
Let us answer your questions.
Can I apply for a 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. Many customers come to us for bad credit car loans or other vehicle loans after being declined by traditional lenders, including options like caravan loans or off-road vehicle finance.
Can I apply for a loan if I receive a pension or Centrelink benefits?
Yes! Finance One can 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
We also help with flexible finance options like bad credit personal loans if you need support beyond vehicles.
What could my interest rate be?
Our interest rates can vary depending on your overall credit profile. This includes, but is not limited to, the stability of your employment and residency status, your credit history, your income and your banking conduct.
Can I make extra repayments, increase my repayments or pay my vehicle loan out early?
Yes, you can make extra repayments or increase your repayments. However, some of our loans do have an early payout fee. We recommend you review your loan terms or contact us to confirm if an early payout fee applies to your loan.
What documents do I need to provide when I apply for a vehicle loan?
The minimum documents we require for a consumer loan application include:
- 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 statement.
Depending on the loan type, such as a boat or jet ski loan or a registerable trailer loan, we may request additional details specific to the vehicle.
Is it hard to get a vehicle loan?
At Finance One, we make the process straightforward, even if you’ve had credit challenges in the past. Our vehicle loans are varied, from motorbike finance to vehicle repair financing, to give you options when the banks say no. To get started, fill out our application form online, and we’ll guide you from there.
*24 hour approvals are subject to satisfactory documentation being provided to assess the application.
**Normal lending criteria, terms & conditions and fees & charges apply.
^Early repayment fees may apply. Please refer to your loan terms and conditions or contact us to confirm if an early payout fee applies to your loan.