Car Loans for Bad Credit in Sydney & Australia Wide

Finance One Car Loans

Sydney Car Finance made easy with loans from Finance One.

Get ready to hit the road in your dream car with a bad credit history car loan from Finance One. Finance One has over ten years of experience in securing loans for our customers in Sydney. We recognise the benefits that having a car can have to individuals, couples and families. Whether it’s to open up new job opportunities, being able to take a last-minute weekend trip or even doing the school run, a reliable vehicle can be a huge asset to daily life. We also know that being able to finance a new car can be challenging if you don’t have access to savings or you have a poor credit history. That’s why we specialise in helping our customers to access car finance, even if their credit rating has been historically poor. Every case is assessed on an individual basis and we strive to get you car finance in Sydney that works for you. The Finance One team is on hand five days a week to speak to you and answer any questions you might have before beginning your application.

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 *

Second chance car finance in Sydney, for everyday Australians with low credit scores.

We can 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

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 should I consider before applying for a car loan?

When thinking about applying for your loan, the main question to ask is, can you afford the loan repayments? You’ll also want to factor in your car’s running costs such as fuel, maintenance, registration and insurance. Put together some estimated costs and work out your monthly budget factoring in your incomings and outgoings. If you have some savings, you might be in a position to put down a deposit which will reduce the overall amount you need to borrow and make your loan repayments smaller. If it looks affordable, get in touch with us at Finance One to find out how we can help and obtain a quote.

How much can I borrow from Finance One?

Our car loans are available from as low as $8,000 to as much as $100,000. If you’re wanting to borrow $50,000 or more, be aware that you must be asset-backed. Your repayment term will be between three to seven years and there’s no early repayment fee if your circumstances change and you want to pay off your loan before your finance contract end date.

    Can I only buy a new car with the finance you offer me?

    With a Finance One car loan, you have the freedom and flexibility to purchase a car that suits you. Whether it’s a second-hand vehicle from a private seller or a new car from a trade dealership, it’s completely up to you, subject to some conditions. You may even be able to use your loan to purchase a caravan or camper van. Get in touch with us to find out!

    Is Finance One the right lender for me?

    Our expertise is in securing bad credit history car loans in Sydney. Finance One will consider applicants whose credit history includes defaults, previous bankruptcies or Part IX Debt Agreements. We offer a straightforward online application process that’ll allow you to know if you’ve been accepted in as little as 24 hours* once we’ve received your completed application and sufficient supporting evidence. 

    Who can apply for a car loan?

    We’re proud to offer a selection of inclusive and accessible financial products to our customers. Our minimum requirements for applying are that you’re 18 years or over, a permanent Australian resident and you can prove an acceptable regular source of income. If you’re unsure of any of the criteria, give a member of our friendly team a call and they’ll be happy to help.

    I receive Centrelink payments. Can I still apply for a car loan?

    Yes! Finance One will consider applicants who receive any of the following:

    • Family Tax A & B
    • Parenting Payment
    • Carer Payment
    • Aged Pension
    • Disability Pension
    • Department of Veterans’ Affairs (DVA) Service Pension/Partner Service Pension
    What documents will I need to support 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; and
    • driver licence
    I’m ready to apply. What are the next steps?

    Congratulations! You’re one step closer to getting behind the wheel of your dream car. Once you’ve decided you’re ready please complete our enquiry form with a few basic details. You’ll need your contact information, employment status and the amount you want to borrow. We’re always here to help if you need support at any stage of your application.