Car Loans for Bad Credit in Adelaide
& Australia Wide

Finance One Car Loans

Have a Bad Credit History But Want a Quick and Easy Car Loan in Adelaide?

Look no further – Finance One is here to help.

Have a bad credit history or a low credit score but want to finance your dream car quickly in Adelaide? Searching for the best car finance with bad credit in Adelaide? Finance One is a firm believer in giving South Australians, and all Australians, a “fair go”. We believe our car finance is a great option for South Australians who want a second chance to purchase the car of their dreams even if they have experienced a bad credit history or a low credit score in the past. For finance deals for everyday Australians searching for car finance in Adelaide with bad credit  – contact us today on 1800 346 663. Our friendly, experienced, lending team is here to help.

Personal Loan Range

Loans from $8,000 to $100,000**

Personal Loan Term

Loan terms from 3 - 7 years

Personal Loan Time

Approvals in as little as 24 hours *

The Finance One Difference.

Finance One believes in providing a “personal touch” to all of our financing packages. We believe your current circumstances and financial position play an important role in getting you car finance in Adelaide, even with a poor credit score.

We believe everyone deserves a second chance. A financial mistake in the past which in some cases may not have been your fault can have an effect on your ability to get a competitive finance rate, especially from the major banks. Finance One operates differently. We appreciate that every individual’s life story is different. Certain events in the past should not dictate your future, especially if you’ve grown and developed a strong financial awareness and show a capacity and willingness to pay. It is this personal growth and development which we admire, and as such, we might be able to give you a quick second chance on car finance in Adelaide with our car loans for bad credit.

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

Can I apply for a Finance One Vehicle Loan?


Are you receiving regular income?

Step 2


Do you want to borrow between $8,000 to $100,000?**


Are you at least 18 years of age?

Step 2

Credit History.

Defaults on your credit file or discharged from bankruptcy?

Competitive Car Finance in Adelaide.

For individuals with a bad credit history, poor credit history, or discharged bankrupts, we do things right by you by taking into consideration your present financial circumstances. We review your application and can customise a loan that suits your own needs and requirements. Your happiness and success is our driving factor, as we try to help you thrive and enjoy the life you deserve with our tailored loan products to suit your lifestyle. From the day you apply to the day your loan is paid in full, we provide real, genuine customer support from a dedicated team of professionals.

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.

100% Aussie

Loans Australia Wide

We offer car loans for bad credit Australia wide. Apply now with our easy online loan application.
Flexible Loan Repayments


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

Personal Loan Time


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

Find below some common questions we get about our Car Loans and financing options

What is a car loan for bad credit?

Finance One can offer fast and flexible financing for vehicles, motorbikes, boats and other similar items to everyday Aussies with poor credit scores or who have been discharged from bankruptcy or a Part IX Debt agreement. If banks and other lenders have declined your application for car finance in Adelaide due to poor credit history or a low credit score, we may be able to help. 

Our car finance is perfect for South Australian residents looking for a second chance for a car loan when other people say no!

Am I eligible to apply for quick car finance in Adelaide through Finance One?

To find our more, contact us today on 1800 346 663, or email us at [email protected] and one of our friendly team members will be in touch.

Minimum eligibility for those in search of car loans in Adelaide for bad credit are:

  • 18 years of age or over;
  • Australian permanent resident or Australian citizen; and
  • Receiving an acceptable form of income.
What could the interest rates be on a typical car loan for bad credit in Adelaide?

Generally speaking, the rates may be higher than the banks and lenders due to their restrictive eligibility criteria. We can look past your credit file and consider your individual circumstances to help tailor a loan that is best suited to you.

Call our friendly team today on 1800 346 663 to find out about a car loan for bad credit in Adelaide.

Do I need a deposit?

No, you do not need a deposit when applying for our car finance that is flexible and affordable and quick. 

Depending on your financial circumstances, you may be able to borrow up to 100% of the car’s value. Contact us today on 1800 346 663 or email us at [email protected] and one of our friendly team members will be in touch. 

How do I apply for car loan for bad credit in Adelaide?

Applications are as easy as 1-2-3! 

Call us today on 1800 346 663 or enquire here and we can get an answer to you in as little as 24 to 48 hours* – not weeks! Our friendly and experienced team is here to help you get from A to B.