Car Loans for Bad Credit on the Central Coast & Australia Wide

Finance One Car Loans

Is your credit history keeping you from having the car you want?

If a bad credit history has made you put off financing a new vehicle, Finance One may be able to help. We understand that you need a car to get to work and school. If you’re seeking a new car or an upgrade, let us help find the ideal car loan for you. We offer car finance on the Central Coast, as well as in many other cities across 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 *

Bad credit isn’t always your fault

Here at Finance One, we understand that events outside your control can result in a bad credit history. A divorce, medical bills, or an old debt can affect your credit profile for years. But that shouldn’t influence your ability to apply for the vehicle you need to live your life. 

  • 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.

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.

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

When our customers looking for car finance on the Central Coast compare loans, they rave about  some of the advantages of Finance One including: 

  • Financing options despite previous bankruptcies, defaults, or Part IX Debt Agreements
  • Loan terms that can work with all kinds of budgets
  • Financing for all vehicle types
  • Loan options for people receiving Centrelink benefits
  • A customised approach to loan servicing
  • Simple application process
  • Fast decisions on loan applications*

    Frequently asked questions.

    How can I apply for quick car finance on the Central Coast?

    You will love how easy it is to apply for a loan with Finance One.
    The first step is to: fill out our online application form, or ring us on 1800 346 663 for a quick phone application. Within as little as 48 hours*, you could know if your loan has been approved. 

    Does Finance One have requirements for car loans on the Central Coast?

    There are a few basic requirements you must meet to apply for car finance with Finance One on the Central Coast:

    • You should have a regular, verifiable income.
    • You must be at least 18 years of age.
    • You must apply for a loan within our financing range (see below).
    • You need a credit profile that we can assess as part of the loan process, whether or not you have negatives on it.
    Can I apply with Centrelink benefits or a pension?

    Yes! We encourage you to apply, even if you are receiving benefits such as: 

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

    You can certainly use a Finance One loan to purchase a ute. We allow our loans to be used for cars, utes, work bikes, 4WDs, camper vans, and even boats. 

    How much can I apply for?

    Our loans are for vehicles between $5,000 and $75,000**. So, your loan must fall within that range. Your income and your credit profile will be evaluated to determine how much you can apply for. 

    What loan interest rate could be offered?

    Your individual financial profile decides what your loan rate could be. All of our customers’ rates are different because their finances are all unique. Once we see your income and credit history, we can propose a rate to you.

    If I pay my loan back early, will I be charged a fee?

    Never. Finance One consumer loans have no early payout fees. You are allowed to pay off your car loan at any time without penalty. We also let you make extra payments whenever it’s convenient without any fees.

    Get started on applying for your vehicle loan today!

    Don’t wait to apply for that car or ute of your dreams now that you’ve found Finance One. If you start an application today, you could have your new vehicle in a week*. If you have questions, our support team is here to assist our applicants on the Central Coast.