Australia’s
Best-Reviewed
Finance Broker

Frequently Asked Questions

Got a burning question? Chances are, we’ve got the answer. Check out our frequently asked questions below to clear up your concerns.

• How long does it take to get approved?

  In many cases, we can get you approved within 24 to 48 hours. The duration depends on your lender and application details, but we’ll keep things moving and keep you updated every step of the way.

• Do I need to have perfect credit to apply?

  Not at all. We work with a wide range of lenders, including those who specialise in helping customers with less-than-perfect credit. Whatever your financial history, we’ll do our best to find a loan option that suits you, even if your current bank has said no.

• What types of loans do you offer?

  We offer everything from car loans, boat loans, and caravan loans to personal, business, and equipment finance. Whether you’re buying for work or play, we’ll help you secure a competitive loan term that fits your goals.

• Can I still apply if I’m self-employed or a contractor?

  Absolutely. Many of our lenders cater specifically to self-employed Australians, and we have the knowledge to present your application in the best light, even if your income doesn’t look like a traditional payslip. Let’s discuss your situation and find the right solution. Contact us to discuss your situation and discover how we can make finance work for you.

• Do you help with business equipment purchases?

  Absolutely. Asset finance is one of our specialties, and we understand how the right equipment drives business success. We’ll help you structure payments that work with your needs.

• What if my application gets rejected?

  If you’re unable to get approved through traditional channels, don’t give up. We have alternatives and will quickly explore other options for you.

• What if I’m not happy with my current loan?

  Refinancing can be an amazing option to improve your situation. We’ll talk through your current terms and help you decide if switching makes sense for your cash flow.

• Can you help me upgrade my existing vehicle?

  Absolutely! Upgrading your car is something we help with all the time. We’ll look at your current situation and find the best way to get you into something better.

• What if other lenders have rejected my application?

  If you’ve been unable to get approved elsewhere, don’t give up. We work with lenders all across Australia and have alternatives that might work for your situation.

• How is Credit One different from going directly to a bank?

  As a broker, we compare loans from 40+ trusted lenders to help you find better rates and more flexible terms. Unlike other brokers, we handle all the paperwork for you and provide ongoing support. We search multiple lenders to find you the best value.