Frequently Asked Questions

We specialise in loans from $400 though to $100,000+, although we do lend amounts larger than $100,000.

The actual amount we actually lend to any given person or business is usually limited by the collateral provided and the borrower's ability to meet the repayments. The larger the loan, the more security required and the greater the repayments need to be.

We can approve the majority of loans in an hour or two; however there can be hold-ups, usually because we are trying to collate supporting documentation.Once the loan is approved, we can pay the cleared cash funds into your bank account overnight, ready for you to spend the following day.

Lack of information, mistakes or mis-information on the application form can also be the cause of hold-ups, so please ensure that the information on your application is complete and accurate.

If you are able to complete all loan application fields, even the ones that are not flagged as required, please do as it will help things go more smoothly. If you just provide basic info it may hold things up later when we do eventually need the additional information.

How much can you afford to repay on a weekly, fortnightly or monthly basis?

Repayments can start from as little as $25 per week, although the repayment amount has to be realistic when taking into consideration the loan amount.

In your loan application, state a realistic amount that can comfortably afford to repay. If the amount you specify is an amount which would mean the term of your loan would be too great, we will contact you to discuss the matter further.

If you have seasonal work and would like to vary the payments throughout the year, give us details at the time of application so we can work it into your payment schedule.

You can contact us anytime to request a statement, free of charge.

If your loan doesn't have set payment amounts and dates (e.g. you have a revolving credit account), you should receive statements regularly anyway. But you can still contact us anytime for a current statement.

Yes, you can repay your personal loan early.

If you wish to do so, please contact us to get a settlement figure. You will need to know the exact date on which the account is to be settled as you only pay interest up until the day you settle.

Note there may be charges involved in the early settlement, such as a fee for discharging a caveat or mortgage. Consult your disclosure statement for detailed information about any charges. A copy of the settlement figure will also show you these charges.

The interest rate on a loan is determined on a case by case basis based on the security provided, your credit history, stability and ability to service the loan.

Once you have submitted an application, we can assess it and provide you with a quote before you are committed to proceeding with the loan.

If you are unable to provide security of your own, you can also find a guarantor (e.g. a friend or family member) to provide security for your loan. Your guarantor will need to provide acceptable security (e.g. a motor vehicle or land).

Credit history is just one of many factors we assess when reviewing a loan application.

We understand that most people go through a bad patch at some stage in their life, and for many this can affect their credit rating. So when looking at adverse credit history, we pay particular attention to how a person dealt with it, how long ago it happened and to what extent it was a problem.

In some cases, we may require a guarantor to provide additional security but in many cases we don't need a guarantor.

Click Apply Now! to submit an online application

Read more about our Lending Criteria

The maximum loan term is determined mainly by the security provided.

For motor vehicles, most loans are 18 months to 3 years in length. When using property as security, we can often extend the term up to 5 years.

The term is generally calculated based on the amount you can afford to pay each week/fortnight/month.

Now you're here you can click Apply Now! to do an online application.

An online application takes around 10 or 15 minutes, and comes directly to us when you submit.

Alternatively you may be more comfortable calling us toll free on 0800 11 22 74, or contacting your nearest office.