Welcome to Center One Finance

Bad Credit Personal Loans and Car Loans

Center One Finance (COF) has been helping credit challenged clients secure personal and car finance for amounts from $3,000 to $20,000 since 2005.

If you have bad credit and are looking for a personal loan or car loan we may be able to help you if you meet the following initial criteria:-

You are able to provide security to back the loan (typically in the form of an unencumbered asset such as a motor vehicle, boat, truck, etc);

You can confirm a consistent and regular income.

How to Apply

To find out if you are initially pre-approved please use the Apply Now link on the left menu bar and take the quick interactive questionnaire. 

This will provide you with a detailed response on the outcome of the pre-approval questionnaire, links to download a full formal application, and the ability to leave your details for one of our staff members to contact you on with further details and information on how best to get approved.

Rates, repayments and terms vary depending on the loan category you fall into, and for detailed information on our loan terms you can contact COF direct and our friendly staff will be happy to assist.