bad credit personal finance

Personal Loans


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Car, Bike & Boat Loans


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Business Loans

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Bad Credit Loans


Center One Finance specialises in loans to people who have bad credit history, this includes personal or commercial loans, whether in a personal name or company name. We also have many clients with good credit history who we were able to assist when they were not able to obtain a loan elsewhere. Loans can be for almost any purpose, although we generally do not provide consolidation loans to payout other personal finance or credit cards.

Bad credit finance is available in amounts from $5,000 to $20,000, and for terms of between two to four years. Fees, rates and repayments vary depending on your loan category and relevant State laws, and for full details on a loan that is tailored to your situation you are welcome to call our friendly staff to discuss our bad credit loans.

As per Responsible Lending regulations COF will assess your situation to ensure the loan is suitable for you (or advise otherwise), and while we cannot guarantee an approval on every application we do work hard to provide some options wherever possible on both bad credit personal loans and bad credit car loans.

All loans must be secured by an asset, usually in the form of a registered motor vehicle (car, motorcycle, boat, truck, etc) which should generally be no older than eight years, and the bulk of your income must be derived from wages (self-employed clients are also welcome providing your income can be proven). Once a formal application is received from you we will normally give you a solid result within approximately three business days, and while sometimes we may require some non-standard documentation depending on your situation the full process from application submission to settlement of your loan can take as little as a week.

How To Start

Getting started on a personal or bad credit loan is a quick process, simply click Apply Now in the right hand sidebar, or in the top menu, to begin your bad credit loan application online.  If you require a business loan however, plesae contact our office to obtain a special business loan application form. If you have any further queries with regards to our bad credit personal loans or bad credit car loans then please contact our office and our friendly staff will be more than happy to speak with you.

Peace of Mind

Center One Finance is a fully qualified finance provider with Australian Credit Licence number 386366.  We take your business and personal loan, and also the security of your personal information, very seriously.  We strive to ensure we lend fairly and adhere to industry best practise expectations and regulatory requirements at all times.