FAQs

18 years of age

Yes

Between $2,000-$50,000 over 3, 5 or 7 years, based on your credit score

Your rate is determined by your credit score

The exact way your score is calculated is a closely guarded secret. What we do know it is made up of your repayment history.

This includes (but not limited to), if you have ever defaulted or been in arrears on any services that are reported to credit authorities.

• Every time you complete an application for credit is included as part of your credit score, even if the application is declined
• Current and past credit arrangements with credit providers are included in the calculation of your credit score
  • Home Loans
  • Personal Loans
  • Mobile Phones
  • Utility companies

A soft credit check enables us to see what lenders see, without impacting your credit score

No, we conduct a soft credit check. The enquiry is recorded by does not affect your credit score. The soft credit check is not visible to any credit providers

The most widely used purpose for a personal loan are,

• Home Deposit 
• Home Renovation 
• Buying a car (secured and unsecured)
• Debt consolidation 
• Travel and Holidays 
• Weddings Costs 
• Investment (shares, property deposit)
• Tax Debt
• Medical and Dental Procedures (e.g. IVF Procedures, Veneers)
• Cosmetic Surgery (e g. Breast Augmentation, Rhinoplasty, Weight Loss Surgery, Injectables)
• Solar and Battery 
• To Pay for something 

• If the loan is considered a worthwhile and clear purpose -Yes, it will be considered
• Anything deemed illegal will not be considered 

• 2 recent payslips for PAYG
• Tax Returns of Assessments for Self Employed 
• 2 forms of ID (passport, Driver’s License)
• Bank statements to confirm salary deposits (request is sent via a secure link)
• Statements for any current debts being refinanced
• Credit may require some further documentation