What is the quickest way to apply for a small loan?
Just click the Apply Now button, complete the questions and you are on your way. A Lending Manager will then make contact via email or phone to finalise your small loan.
What personal information will I be requested to supply?
If you are a first time customer, you will be asked to provide sufficient information to prove your identity. This is commonly referred to as the 100 point identification check. This process is can be completed online during your application by uploading your documents or after you submit your application online during your application by uploading your documents or after you submit your application via email. You will also need to provide contact information including phone number, email address, how much you want to borrow, and the purpose of the personal loan. You will also be asked to provide some supporting documents such as a bank statement, and payslips. Again all of this can be completed online during your application by uploading your documents or after you submit your application via email. You can do this at home or from work on your home computer, your mobile or your tablet.
What happens next?
A Lending Manager will call or email you to work if there are any questions we need to clarify. You will then receive an email to confirm if your small loan has been approved. They may provide a conditional approval while they are awaiting documentation to confirm the information that you have provided. At any time during the loan assessment process you can call your dedicated Lending Manager to answer any questions you might have. Once you are approved, you will receive an email containing your username and password so that you can log in online to sign your contracts electronically. Once you have done this, fund will be transferred into your account immediately.
How long does approval take?
It can take as little as around half an hour with the money in the bank the same day. This is dependant on how quickly you supply your documentation and the complexity of your personal loan application.
Am I guaranteed acceptance of my personal loan application?
While we cannot guarantee that everyone will be accepted, we do specialise in people with prior credit problems. Acceptance is determined by your ability to meet your repayments. We will only approve loans that our customers can afford.
Can I have more than one loan?
We would prefer that you take one loan at a time. This way you are always in a position to meet your repayments.
How much can I borrow?
You can qualify for as much as $5000 or as little as $300.
Can I pay the loan off early?
Yes, you can pay your loan before it is scheduled to be completed. We will outline your repayment schedule in our letter of offer. Should you have excess money then you can make additional repayments without any penalty or additional charges. We want to see our customer repay their personal loans as quickly as possible.
How do I get hold of my Lending Manager?
You can email us at firstname.lastname@example.org
You can also call us at 1300 275 626. If you do not get to talk to a Lending Manager, leave a message and we will get back to you within one business day or you can chat to us online via the link at the bottom of the website.
Can I vary my re-payment schedule?
Yes you can. Please contact your Lending Manager to discuss your requirements. It is always better to be proactive in these situations. In the case where you wish to vary your re-payment schedule, contact us immediately to set up an alternate payment date. This prevents us from attempting a transfer when the funds are not available.