Our 3-Step
Application Process

Our application process is really simple.
No hidden fees and no rate surprises.

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STEP ONE

Get your rate

It takes 2 minutes to get your personalised quote without impacting your credit score.

Your rate is tailored to your individual needs and circumstances, just like a tailor-made suit. If you have a strong credit history, you’ll be rewarded with a lower rate.

Rest assured, your credit score is safe and won’t be impacted by getting your rate. When calculating your personalised quote, we’ll carry out a soft enquiry on your credit file, which allows a lender to see your credit score and other information about your credit history.

STEP TWO

Apply online

Complete your online application and get a response in 2 minutes.

We want to know all about you and your big goals. To check whether we’re a good match, we’ll collect some general information about your income, family situation, living situation and whether you have a partner.

Have your budget spreadsheet or banking app handy for this part. We’ll get into the details of your income and expenses, and check whether that meets our credit criteria. Don’t stress if your budget lives in your brain, we’ll ask you to make an educated guess about your spending.

We’re serious about protecting your identity, so we’ll ask you for an ID scan and your bank statements. Using our intuitive tools and your smartphone, this should only take you a few minutes.

STEP THREE

Money in your account

Access your funds within 24-48 hours of being approved and signing your contract.

Your personal loan advisor will be in touch to create a repayment plan that’s right for you, keeping you on top of your finances.

Time to make it official between us. We’ll send your loan contract, you just need to read it, understand it and sign it – digitally, of course.

Pop the bubbles and pat yourself on the back. The funds generally reach you in 24-48 hours of being approved, and you’re on your way to making your next big move.

ELIGIBILITY

Check if you’re eligible

You’re an Aussie citizen or permanent resident

Your employment is your primary source of income and you’re not on probation*
*The minimum employment length for a person who is self-employed is 2 years; the minimum employment length for casual position is 3 months

You’ve had no bankruptcy or unpaid defaults

You have an acceptable ID
(either an Australian Passport or current Australian Driver’s License)

You’re at least 18 years old

Ready to make your next move?

Get your personalised quote in 2 minutes

Get My Rate