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.

Don’t let a rocky credit history keep you stranded. Get back on the road quickly with Vehicle Repair Finance from Finance One. Accidents and breakdowns are part of owning a vehicle, and when unexpected repairs arise, waiting isn’t an option. That’s where Finance One steps in, offering customised loans designed to fit your needs, even if your credit score isn’t perfect.

 We understand the inconvenience of being without a vehicle, which is why we’re committed to keeping you on the move. Whether it’s a minor fix or a major repair, our Vehicle Repair Finance options provide the support you need, regardless of your credit score. Don’t let past setbacks hinder your ability to stay mobile. Apply today for a seamless and hassle-free experience with Vehicle Repair Finance from Finance One.

Normal lending criteria, terms & conditions and fees & charges apply.


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.

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.

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.