Car Loans for Bad Credit in Melbourne
& Australia Wide

Finance One Car Loans

Melbourne Car Finance that will get

you on the road again.

Have a low credit score and need a quick and easy car loan in Melbourne? Finance One is your trusted, customer-focused experts when it comes to car loans in Melbourne and all around Australia. You deserve a second chance in getting approved for car finance in Melbourne. Don’t be held back by your prior credit history without a way to move forward – the friendly, professional team at Finance One is here to help.

We offer finance for people who have experienced poor credit history, bankruptcy or defaults on their credit file. Loan packages can be tailored to match your individual circumstances and personal financial history. We know how life’s challenges can affect each person differently, especially a history of low credit scores. When in search of car finance in Melbourne that is fair, call us today on 1800 346 663 for an obligation-free chat about car loans for bad credit.

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 *

Looking for a Second chance? Car finance in Melbourne, for everyday Australians with low credit scores.

 At Finance One, we believe that everyone deserves a second chance. Speak with us about a car loan for bad credit in Melbourne today on

1800 346 663 or contact us online.

  • Cars
  • 4WD
  • Utes
  • Caravans
  • Campervans
  • Boats
  • Cars
  • 4WD
  • Utes
  • Caravans
  • Campervans
  • Boats

Applying For a Car Loan in Melbourne with a Low Credit Score or Bad Credit History.

It’s all too common that a mistake early in life can cause one to worry about their future, and their ability to get a car loan with bad credit scores or poor credit history. Simple things like forgetting to pay your phone bill when you were younger, or making financial decisions without the proper care and guidance from trusted advisers, can affect your ability to acquire a loan in your later years. It may even have been a situation outside of your control which has had a negative impact on your credit score. Regardless of the situation, the courteous, compassionate, and professional Finance One team understands that your current credit score may not be the best indication of your financial position. This holds true especially later in life, as you may have advanced in your career or started growing a successful business. Take control of your future, and your finances with a loan from Finance One – call us now on 1800 346 663 or contact us online for a car loan in Melbourne, even if you have bad credit history. 

Don’t waste your time trawling through endless “review” sites and biased sponsored posts by the big banks and other mainstream lenders – Finance One is your trusted car finance adviser for bad credit in Melbourne. We have helped many Australians with car finance in Melbourne to find a suitable rate for their dream car. Six days a week, we are here to help get you behind the wheel faster! Contact us online for a car loan for bad credit in Melbourne and all around Australia! 

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.

Frequently asked questions about car finance in Melbourne.

Everything you need to know about car loans in Melbourne for bad credit from Finance One that are quick and easy. Discover our story to learn why we’re different and be sure to check out our Frequently Asked Questions below for some common answers, or call now on 1800 346 663 for a chat about car loans in Melbourne that are quick and easy.

Can I apply for a loan if I have a low or bad credit score?

Finance One offers in loans for individuals who have “done it tough” due to unfortunate circumstances affecting their credit file. Call us now on 1800 346 663 or apply for a car loan in Melbourne with bad credit. Contact us for more information on how we can help!

What is a car loan for a bad credit history or “second chance”?

As car finance for bad credit professionals in Melbourne and all over Australia, Finance One can offer loan financing rates and packages for car finance in Melbourne that may be a perfect for individuals whose credit history includes defaults, previous bankruptcies or Part IX Debt Agreements. 

We’ve given Aussies the second chance that they deserve when searching for the car of their dreams, and believe people shouldn’t be penalised for a mistake in the past. Common credit issues people may have on their credit file are:

  • Paid or unpaid phone, power or gas defaults.
  • Paid and unpaid loan or credit card defaults.
  • Court judgements.
  • Discharged Part IX (9) Debt Agreements as per the Bankruptcy Act 1966 (Cth).
  • Discharged bankruptcy.
  • …and more!
How do I apply for a car loan if I have a bad credit history?

Complete our online enquiry form or call us on 1800 346 663 for an obligation-free credit application and borrowing power discussion. 

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;
  • driver licence
Can I apply for a loan if I receive Centrelink benefits?

Yes! Call us now on 1800 346 663 or apply online. Finance One can consider applicants who receive any of the following:

  • Family Tax A & B
  • Parenting Payment
  • Carer Payment
  • Disability Pension
  • Department of Veterans’ Affairs (DVA) Service Pension/Partner Service Pension
Why should I choose Finance One as my car loan lender?

If you have bad credit history and are looking for a car loan in Melbourne, you’re in the right place with Finance One. We make our customers our top priority, and can help find a loan that works for you. Our Support Centre is top-notch, and you’ll be given all the help you need when you submit your application all the way through until your loan is paid in full. We believe everyone should have the opportunity to get on the road and that’s why we’ve refined our car finance packages in Melbourne to be accessible to as many people as possible and help give people a second chance. 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 Melbourne 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 online enquiry form. When you get to this stage, have your bank details and drivers 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.