Frequently Asked Questions
How Do I Apply?
Simply complete our online loan application form and it will be quickly assessed by our approval team, at this time you will also be required to provide some additional supporting documents. If approved, we will then send you an offer and if this is accepted a loan document will be emailed to you which can be signed online.
What can I use the personal loan for?
We provide loans for any legal and worthwhile purpose. Common reasons people apply for our loans are for unexpected vehicle repairs, purchasing new whitegoods, medical or dental bills, rental bonds, weddings and holidays.
What loan terms do you provide?
Our unsecured loans generally run up to a period of 30 weeks and up to 52 weeks if the loan is secured by a vehicle.
How much can I borrow?
We provide unsecured loans up to $2,000 and up to a maximum amount of $5,000 if you have an unencumbered vehicle that you can use as security.
Can I apply if I am unemployed or on a pension?
We can accept applications with a combination of wages and government benefits, however we don’t accept applications if your income is solely derived from Centrelink or government benefits.
Do you do credit checks?
We do conduct credit checks on our Loan applications. However, this forms only part of our assessment process and is also considered along with your current financial situation and employment & residential stability.
Can I apply if I am in a Part 9 Debt Agreement or currently bankrupt?
If you are currently in a Part 9 debt agreement or Bankrupt we are unable to process your loan application until you have been fully discharged.
Can I repay the loan early?
There are no penalties for paying the loan out early or for making additional payments.
What happens if I can’t pay on time or if I miss a payment?
It is best to contact us as soon as possible on 1300 800 260 so that we can discuss the payment options available to you.