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Car Finance FAQS

  • Q. How do I apply?

    Applications can be taken over the phone by calling us on 1300 Credit or by applying online, it takes about 5 minutes to get the ball rolling.

  • Q. What do I need to get finance?

    PAYG employees you will need proof of income; including pay slips, tax return and a Centrelink statement. Depending on your situation, we may require a bank statement with 90 days of transactions.

  • Q. How long does it take?

    Once we receive supporting documentation, the application is submitted by the financier and we can get an answer the same day.

  • Q. How do I repay the loan?

    Repayments are usually setup via direct debit and extra repayments to reduce interest can be made via online banking in most cases.

  • Q. I have worked casually for over a year and I need a car, can you help?

    Yes we can. We have many lenders that can provide loans for people in various circumstances, including casual work scenarios.

  • Q. I have paid defaults on my file, can I still get finance for a car?

    Yes, we have a number of lenders willing to assist individuals in various circumstances.

  • Q. I have been previously declined, do you think you can help?

    We have built a strong relationship with our lenders and we negotiate the outcome for you. We also have other options that other finance firms do not have available to them, such as accreditation with private financiers.

  • Q. Can you help me find a car?

    Yes we can. With our newly launched OnlyCars site, we can give you the best price of your preferred car by affiliating with a number of dealers in your local area.

  • Q. Do you deal with car yards?

    Yes we do and we can help you find a suitable car with OnlyCars.

  • Q. Can I refinance my loan?

    Yes you can. We have many borrowing options and can give you a wide choice.

  • Q. What does Credit One do?

    Credit One is a Finance Brokerage. Our purpose is to arrange finance terms and repayments suitable to our customer’s needs. Customers can be individuals or businesses.

  • Q. How does Credit One work?

    We assess your individual finance needs and match them with the lending options available from our vast panel of reputable lenders.

    Credit One's experienced financial professionals do all of the running around leg work for you, so you don't have to.

    To experience the award winning customer service that Credit One provides call us on 1300 CREDIT (1300 273 348), email us or apply online now to find out why more Australians are finding Credit One the smarter way to finance.

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