4×4 Vehicle Finance for Bad Credit in Australia.

Finance One 4WD Loan

Get your motor running!
Apply for 4×4 or Off Road Vehicle Finance at Finance One.

Sometimes you need a high-quality set of wheels to take you where you need to go. At Finance One, we help improve the lives of everyday Australians with our 4×4 finance and off road vehicle finance.

You can still apply with us if you have a bad credit history, no credit history or if you have experienced defaults or bankruptcy in the past. We take a personal approach that can help you find the right solution.

Skip the stress of applying for an off road vehicle finance and apply with Finance One.

Personal Loan Range

Off Road Vehicle Finance from $8,000 to $100,000?**

Personal Loan Term

4x4 Vehicle Finance terms from 3 - 7 years

Personal Loan Time

Approvals in as little as 24 hours *

What can I use Off Road Finance or 4×4 Vehicle Finance for?

Put an off road or 4×4 vehicle to great use for your family with the help of a loan from Finance One.

  • Family 4×4 vehicles
  • Off road vehicles
  • Adventure vehicles
  • Compact 4x4s
  • Family 4×4 vehicles
  • Off road vehicles
  • Adventure vehicles
  • Compact 4x4s

Can I apply for a Finance One loan for an Off Road Vehicle?


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.

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.

Let us answer your questions about 4×4 finance or Off Road vehicle Finance.

Can I apply for a loan for an off road vehicle from Finance One if I have a bad credit history?

Yes! Finance One will consider applicants whose credit history includes defaults, previous bankruptcies or Part IX Debt Agreements.

What could my interest rate be for Finance One off road vehicle finance?

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

    Can I make extra repayments, increase my repayments or pay my vehicle loan out early?
    Yes, you can make extra repayments or increase your repayments. However, some of our loans do have an early payout fee. We recommend you review your loan terms or contact us to confirm if an early payout fee applies to your loan.
    What documents do I need to provide when I apply for 4x4 finance or an off road vehicle Finance?

    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
    • proof of your income; and
    • completed application form and privacy statement; and
    • ID (ie. drivers licence)