What we check
What you need before you apply, and what happens after you do. Meeting these checks means you can apply, it is not an approval, because every application is also assessed on whether the repayments actually fit your circumstances.
What we check
- You're 18 or over
- You're an Australian resident
- You're employed with a regular income
- Valid identification
If you receive benefits, have your benefit statement ready.
Meeting these checks means you can apply. Every application is then assessed on affordability, not on your credit score alone.
How we assess
- We look at recent repayment history, not just a score
- Repayment frequency matches your pay cycle
- No paperwork, bank statements retrieved securely
- You see the full cost before you sign, and it doesn't change
- Borrowed with us before? No credit enquiry, and no impact on your credit score
Not sure whether you qualify?
The answers to your most commonly asked questions are in our FAQ