Car Loans for Bad Credit in Brisbane
& Australia Wide

Finance One Car Loans

Brisbane car finance that will get

you on the road again.

You might be looking to buy your first ever car or even in the market for an upgrade on your current make and model. Whatever your circumstances, shopping for your next car is an exciting time. There are so many benefits to being mobile, from an easier work commute to being able to take off up or down the coast for the weekend. Having a car can really change your life.

The big question is, what are your options when it comes to paying for it? Finance One can help with that. We specialise in providing car loans for people with a bad credit history in Brisbane, wider Queensland and other states across Australia. Not only can we secure finance for our customers, but we also provide finance especially tailored to people who’ve experienced a negative credit rating in the past. Whether you’ve had an issue with an old credit card or previously filed for bankruptcy, our loans are accessible and we look at every application on a case by case basis, taking your individual situation into account. Get in touch with a member of our team today to find out how we may be able to finance your next car.

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 *

Second chance car finance in Brisbane, for everyday Australians with low credit scores.

We can get you on the road fast with a Finance One vehicle loan, whether it’s a car, ute or motorbike for work or the weekend, a larger car for the family, caravan, or campervan for that big holiday.

  • 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?

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.

Frequently asked questions about car finance in Brisbane.

Does it matter where I live when I apply for a car loan with Finance One?

Whether you’re in the centre of Brisbane or you’re way out in Mt Isa, our loans may be available to all Queensland residents providing you’re over 18 and meet our minimum lending guidelines. While your location won’t affect your credit score, if you’ve lived in many different places and have a long address history, this can be a sign to lenders of instability and potentially affect your creditworthiness so this is worth bearing in mind if you do move around a lot. Don’t panic if this is applicable to you. A member of the Finance One team will work with you when you apply for your Brisbane quick car finance and get to understand your personal circumstances. We specialise in lending to people with a not so perfect credit rating so you’re in safe hands when you come to us.

How can I find out what my credit history is before I apply?

Whether you’ve experienced circumstances that will have negatively impacted your credit rating or you’ve just never had reason to check your score in the past, it’s worth familiarising yourself with the personalised credit report that’s unique to you. Your credit report will contain information including your personal details such as name, address and date of birth. It may also show a record of your current financial accounts and loan products you’ve taken out in the past. A credit report also keeps track of enquiries you make and this can impact your score. For example, if you’ve made several applications to different lenders in a short space of time, this could be viewed negatively when your score is calculated. You can check your credit report and score online with companies such as Equifax and Experian. This is also an opportunity for you to make sure the information collected about you is correct. Data inaccuracies can mean an unnecessarily lower score. If you’re in doubt about your score or have any questions, the Finance One team can help you when you contact us to discuss your car loan application.

    What documents will you need me to provide when I submit my application?

    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); 
    • proof of your income; 
    • completed application form and privacy statement; and
    • driver licence
    Will I be able to pay off my loan early if my circumstances change?

    Yes! Our customers can repay their loans early without being charged additional fees. You can also increase your monthly repayments if this becomes an option over the duration of your loan.

    How long will it take for my loan to be approved?

    Once we’ve received your application and supporting evidence, the team will review and have an answer for you within as little as 48 hours*. Once you’re approved, you’ll be on the road with your new car in no time! Contact us to discuss your bad credit history car loan in Brisbane today.

      Why should I choose Finance One as my car loan lender?

      If you’re looking for a bad credit history car loan in Brisbane, you’re in the right place with Finance One. We make our customers our top priority, ensuring a loan term that works for you. You’ll see this when you read our customer reviews. Our Support Centre is top-notch, and you’ll be given all the help you need when you submit your application and for the duration of your loan. We believe everyone should have the opportunity to get on the road and that’s why we’ve refined our second chance car finance packages in Brisbane to be accessible to as many people as possible. With all our communication, we’re transparent and straightforward. We also like to go the extra mile for our customers and that’s why you’ll find plenty of tips and useful resources about your everyday finances when you visit our blog. 

        I'm in Brisbane and want to apply for a car loan. What are the next steps?

        So you’ve done your research, you’ve got your dream car in sight and you’re ready to apply. Great! You’ll need to fill in our initial online form outlining the amount you want to borrow, your contact details and your employment status. When you get to this stage, have your bank details and driver licence number handy as you’ll need these for the next stage. If you want to discuss your application with a member of the team before you apply, you can call us on 1800 346 663.