In New Zealand - to apply for a personal loan you need to:

  • Be 18 years or older
  • Be a Permanent Resident or New Zealand citizen
  • Be earning a stable income

In Australia: to apply for a personal loan you need to:

  • Be 18 years or older
  • Be an Australian citizen, Permanent Resident or New Zealand citizen
  • Be full-time or permanent part-time employed
  • Have your photo ID documents handy, such as your Australian driver’s licence or passport
  • Have a clear credit file with no defaults, judgements or bankruptcies
  • Require a minimum $2,000 loan

When you apply or request a quote for an online loan, we need to know a little about your needs and your finances. We’ll also make some enquiries to help us verify your information. Using this information, we’ll assess your eligibility to receive credit and your capacity to service a loan.

If you qualify for a loan, we’ll provide you with your personal interest rate and the maximum amount you can borrow. There are times when we may not be able to offer a loan quote or loan application, such as if your recent credit history is unsuitable or there is unavailable capacity to service a loan.

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