Loans for Vehicle Repair with Bad Credit


Bad credit history doesn’t need to keep you off the road.
Apply for Vehicle Repair Finance with Finance One now.

Accidents and breakdowns happen to everyone. If your reliable vehicle needs a repair, you probably don’t have time to wait. That’s why Finance One can tailor loans to suit you, even if you have a bad credit history.

We know how difficult it is to be without a vehicle. To stay on the move, talk to Finance One about Vehicle Repair financing, regardless of your credit score.

Apply now for streamlined and stress-free Vehicle Repair Finance today.

Personal Loan Range

Loans from $8,000 to $100,000**

Personal Loan Term

Loan terms from 3 - 4 years

Personal Loan Time

Approvals in as little as 24 hours*

What can I use Vehicle Repair Finance for?

We could get you back on the road fast with Finance One Vehicle Repair Finance. Our Loans for Vehicle Repairs can be used for:
  • Smash repairs
  • Engine overhaul
  • Electrical
  • Servicing
  • Other vehicle expenses
  • Smash repairs
  • Engine overhaul
  • Electrical
  • Servicing
  • Other vehicle expenses

Can I apply for a Finance One Loan for Vehicle Repairs?


Are you receiving regular income?

Step 2


Do you want to borrow between $8,000 to $100,000?**


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.

Let us answer your questions.

Can I apply for Vehicle Repair Finance from Finance One if I have a bad credit history?

Yes! Finance One can consider applicants whose credit history includes defaults, previous bankruptcies or Part IX Debt Agreements. Talk to us today if you want to finance your vehicle repairs with bad credit.

Can I apply for Vehicle Repair Finance if I receive a pension or Centrelink benefits?

Yes! Finance One can consider Personal Loan 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 could the interest rate be on my Personal Loan for Vehicle Repairs?
Finance One Personal Loan interest rates vary depending on your overall credit profile. This includes, but is not limited to, the stability of your employment and residency status, your credit history, your income and your banking conduct.
Can I make extra repayments, increase my repayments or pay my 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?

The minimum documents we require for a Personal Loan application for vehicle repairs 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; and
  • Completed application form and privacy statement.