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

Finance One Car Loans

Is a bad credit history keeping you from the car you want?

If you’re like many people on Australia’s Gold Coast, you may be putting off applying for that new vehicle you need because of a bad credit history. Don’t let a bad credit history keep you from the car you need for work or school runs.

At Finance One, we have car finance for Australians with bad credit history on the Gold Coast and Queensland, just like we do at our other locations in 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 is a common problem – we understand.

There are many things from the past or events outside our control that can contribute to bad credit history. We get it. But at Finance One, we don’t think that should mean you have to go without the car you’ve always wanted.

We may be able to help 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 for your next vehicle?#


Are you at least 18 years of age?

Step 2

Credit History.

We accept all applications regardless of previous history.

You’ll be thrilled with the advantages Finance One can offer you!

There are many things from the past or events outside our control that can contribute to bad credit history. We get it. But at Finance One, we don’t think that should mean you have to go without the car you’ve always wanted.

  • No matter what budget, we have loan terms from 3 years .
  • We finance all vehicle types.
  • We have loans for people with Centrelink and pension benefits.
  • You’ll get tailor-made loans without a cookie-cutter approach.
  • Our application process is quick and easy.
  • You will receive a fast decision on your loan application.

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 do I have to do to quickly apply for car finance on the Gold Coast?

Applying for a loan with Finance One can be simple and speedy. You can either fill out our online form or just ring us on 1800 346 663. Within 48 hours*, you may know if your loan has been approved. All you have to do next is complete the paperwork, and you could be on the path to a new car.

What are some of your requirements for car loans on the Gold Coast?

We have several basic requirements for our car finance for people looking for a second chance on the Gold Coast:

  • Regular income
  • A loan amount within our range (see below)
  • At least 18 years of age

Whilst there is no guaranteed car finance on the Gold Coast, we have loans for many of the applicants that apply with us.

Can I still apply if I have benefits from Centrelink?

Yes, we can accept applications from people receiving all of the following:

  • Family Tax A & B
  • Parenting Payment
  • Carer Payment
  • Disability Pension
  • Department of Veterans’ Affairs (DVA) Service Pension/Partner Service Pension
What if I want to buy a ute or campervan?

You can certainly apply for a Finance One loan to buy a ute, camper van, motorbike, 4WD, caravan, a boat, as well as for a car.

Can I apply for a loan for any amount?

We can provide loans for between $5,000 and $75,000**. As long as your vehicle purchase fits in that range, the loan may work for you. The total amount of the loan is dependent on things such as your income and credit score.

Do all loans have the same interest rate?

We offer different interest rates on each loan. The terms are based on your credit history and income to determine what we think is reasonable for a payment plan.

How long could it take to pay back a loan with Finance One?

Our car loans on the Gold Coast are for terms between 3 and 7 years. We always try to make the payment period work for your personal finances.

Can I be charged for an early payout?

Good news! There are no early payout fees with Finance One consumer loans. Anytime you want to pay off your loan, you may do so without penalty. Likewise, you can always make extra payments too without any fees or penalties.

Are you ready to get started with your loan application today?

Why wait to apply for the 4WD or car you’ve been fantasising about. You can start an application today which could mean you have your new vehicle in about a week, maybe even less*. We’re happy to answer all your questions. Call us on 1800 346 663.