Car Loans for Bad Credit on Centrelink

Centrelink loans

We offer car loans for Centrelink customers with bad credit.

If you’re wondering, can apply for a car loan on Centrelink? Absolutely! You could be eligible to get a car loan on Centrelink even if you’ve had a not so perfect credit history in the past.

Life can often be tough and finances even tougher – we get that! We at Finance One believe everybody deserves a second chance at finance, and those on Centrelink payments are no exceptions.

At Finance One we consider the following Centrelink benefits:

  • Family Tax A & B
  • Parenting Payment
  • Carer Payment
  • Disability Pension
  • DVA
  • Aged Pension
  • Family Tax A & B
  • Parenting Payment
  • Carer Payment
  • Disability Pension
  • DVA
  • Aged Pension

Let’s make it happen!

Help with car finance with bad credit on Centrelink

With car financing for bad credit from Finance One you could be on the road fast even if you are currently receiving Centrelink benefits.
  • Used Cars
  • Vans
  • 4 x 4 vehicle
  • New Cars
  • Utes
  • Motorbike

Can I apply for Finance One Loan on Centrelink?


Are you receiving regular income?

Step 2


Do you want to borrow between $5,000 to $25,000?**


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.

Flexible Loan Repayments


Finance One customers can make extra repayments or increase their repayment amount at any time.

100% Aussie

100% Aussie

With offices in Townsville and Brisbane our team is ready to assist you in finding financial success.

Personal Loan Time


Our dedicated support team will get to know you and provide personalised service.

Frequently asked questions:

Can I get a car loan on Centrelink?

Yes, we consider applicants on Centrelink, applicants with bad credit history, previous bankruptcies or Part IX Debt Agreements.

Which pension or Centrelink benefits can I claim but still be eligible for a loan?

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 will my interest rate be on a Centrelink loan?

Our interest rate varies depending on your overall credit profile. This includes but is not limited to employment stability, residence stability, credit history, your income and your banking conduct.

Can I make extra repayments and pay my loan out early?

Yes, you can make extra repayments, increase repayment amount at any given time. Those with Finance One consumer loans can pay their loan out at any time without an early pay out fees.

What documents do I need to provide when I apply for a Centrelink loan online?

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); and
  • Completed application form and privacy statement.
Are loan approvals instant if I am receiving Centrelink benefits?

Finance One provides loan application answers within 48 hours*.