Bad Credit history?

Car Loans in Cairns

& Australia Wide

Finance One Car Loans

Has a bad credit profile delayed your vehicle purchase?

If you’re like a lot of folks, a bad credit history may be keeping you from the vehicle you need for school or work. But you don’t have to let a poor credit history keep you from financing a vehicle. Finance One can provide car finance for applicants with a bad credit history in Cairns, QLD, as well as many other locations throughout Australia.

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 *

You’re not the only one with a bad credit hisotry — we get it.

A bad credit history is usually caused by multiple issues, often things from your past or things you have no control over. That’s why we offer a range of loans at Finance One. We don’t want your credit profile to get in the way of the vehicle of your dreams.

  • 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 for your next vehicle?#


Are you at least 18 years of age?

Step 2

Credit History.

We accept all applications regardless of previous history.

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.

The advantages of Finance One Loans are sure to please you.

A Finance One loan could be one of your best options when it comes to car finance in Cairns. You may not have to worry if you have bad credit history from Part IX Debt Agreements, defaults, or past bankruptcies. Our loans could bring you many benefits such as:


  • Loan terms for your unique budget and financial situation
  • Financing for many vehicle types
  • Loans for people on Centrelink benefits
  • Personalised loan service just for you
  • A fast and easy online application process
  • A quick decision on your loan*

Frequently asked questions.

What is the application process for quick car finance in Cairns?

We try to make your loan application with Finance One uncomplicated and fast. Ring us on 1800 346 663, or even easier, fill out our online form. You could know in as little as 48 hours* if your loan with us has been approved. Just fill out the loan paperwork next, and you could start your journey to buy the vehicle you want. 

Are there any requirements for car loans in Cairns?

The basic requirements for Finance One car finance in Cairns are pretty easy for most people to meet:

  • You must beat least 18 years of age;
  • You should have a regular income; and
  • Your loan request must fall within our financing range (below).

We think our loans are a great option for car finance in Cairns! Our customer loan approval rate is very high. 

What about if I receive Centrelink benefits?

No problem. We often fund loans for people getting these types of benefits: 

  • Family Tax A & B
  • Parenting Payment
  • Carer Payment
  • Disability Pension
  • Department of Veterans’ Affairs (DVA) Service Pension/Partner Service Pension
Can I use my loan to purchase a Campervan or ute?

You bet! You are allowed to use a  Finance One loan for a ute, car, bike, campervan, boat, or 4WD. 

What loan amounts can you fund?

We can finance vehicles between $5,000 and $75,000**. As you can see, this covers most types of vehicles. We can decide on the loan amount based on your credit profile and income. 

What could my interest rate be?

Every loan is different when it comes to interest rates because our loans are based on applicants’ personal finances. Your credit history and income determine a feasible payment plan that we offer you on loan approval.

How long will I have to pay back my Finance One vehicle loan?

When you are approved for any of our car loans in Cairns, you will receive payback terms between three and seven years. Our goal is to find terms that work for your budget and individual financial situation.

What if I want to pay out my loan early?

You will love that there are no penalties or fees for paying back your consumer loan ahead of schedule. You may pay out your loan any time you like. You can even make extra payments without any additional fees. 

Why wait any longer? Start your loan application today!

If you’ve been dreaming about a new car or 4WD, don’t wait another day. Start an application today and you could get your new vehicle soon. If you still have questions, reach out to our support team