Car Loans for Bad Credit in Canberra
& Australia Wide

Finance One Car Loans

Don’t let a bad credit history keep you
from having the car you want.


Have you been putting off financing a new vehicle because of a bad credit history? If you need a car to get to work or for school runs, or if you’re ready for an upgrade on your wheels, let Finance One help find the perfect loan for you.

We provide car finance in Canberra and the ACT, as well as other locales 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*

We understand bad credit can happen to anyone.

At Finance One, we know that bad credit can happen to anyone, sometimes due to events beyond your control. You might have an old debt from years in the past that has affected your credit history. We don’t think that should affect your ability to finance the vehicle you want or need.

We may be able to 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

You’ll love the benefits of working with Finance One!

When it comes to car finance in Canberra, you just can’t beat Finance One. We offer so many advantages, you’ll be amazed:

  • Bad credit financing: defaults, previous bankruptcies or Part IX Debt Agreements
  • Huge range of loan terms for most budgets
  • Most vehicle types financed
  • Loans for pension and Centrelink benefits
  • Personalised service you won’t find elsewhere
  • Easy application process
  • Quick decision on all loan applications

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.

Your frequently asked questions answered.

What are the steps to quickly apply for car finance in Canberra?

We make applying for car finance with Finance One super easy. First, fill out our online form, or ring us on 1800 346 663. We can let you know within 48 hours* if your loan has been approved. If you’re happy with the loan terms you’re offered, we complete the paperwork, and you can be on your way to a new vehicle!

What are some Finance One requirements for car loans in Canberra?

We have a couple of requirements for our car finance for people looking for a second chance in Canberra:

  • You must be earning a regular income.
  • Your loan amount must be in a certain range (see below).
  • You must be at least 18 years of age
  • You must have a credit history we can check as part of the process, even if your profile contains negative information.

There is no such thing as guaranteed car finance in Canberra, but we have a loan for nearly every applicant that applies with us.

What if I receive Centrelink benefits? Can I still apply?

Yes, you may apply if you receive benefits from any of the following:

  • Family Tax A & B
  • Parenting Payment
  • Carer Payment
  • Disability Pension
  • Department of Veterans’ Affairs (DVA) Service Pension/Partner Service Pension
Can I apply for Finance One loan to buy a ute?

Yes, you can definitely apply for one of our loans to buy a ute. Whether you want to buy a ute, car, a bike for work, a 4WD, a caravan, a campervan, or a boat, you should apply with us.

How much can I apply for with my loan?

Finance One offers loans for between $5,000 and $75,000**. Therefore, you must be able to work within that amount. The total amount you apply for depends on things such as your credit score and your income.

What could my loan interest rate be?

Everyone’s loan rate is different. Like the loan total, it’s based on your individual finances. We look at your income and credit history before proposing a rate to you.

How long do I have to pay back my car loan with Finance One?

Car loans in Canberra with Finance One have terms between 3 and 7 years. When you qualify for a loan and receive an offer, you’ll know how long you have to pay it back.

Does Finance One charge an early payout fee?

There is no early payout fee with Finance One consumer car loans. You can pay off your loan at any time without penalty for it. You can also make extra payments on your loan whenever you like without any extra fees.

I'm ready to get started with a vehicle loan application. What now?

If you’re ready to take one step closer to that car or ute you’ve been dreaming of, why wait any longer? Start an application today, and you could have your dream vehicle soon. Still have questions? No problem. Our support team is here to assist our Canberra applicants. Calls us on 1800 346 663.