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
Receiving Centrelink payments doesn't automatically rule you out. So long as you're employed and regular income is coming into your account, we'll consider your application. We can't guarantee approval.
Meeting these checks means you can apply. Every application is then assessed on affordability, not on your credit score alone.
What makes us different
How we assess, plainly
We look at recent repayment history, not just a score
Repayment frequency matches your pay cycle
No paperwork, 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 questions we are asked most, credit checks, bank statements, and applying while on government income, are answered in full on our FAQ.