HOW IT WORKS

  1. Apply online
  2. Speak to a loan consultant
  3. Send through supporting information
  4. We apply for your loan
  5. Get loan documents emailed or couriered to you
  6. Sign and return documents
  7. Loan gets paid out


It really is that easy but let's break it down for you, let you in on a couple of secrets...

Apply online
This is where we get all the information we need to process your loan, it is important to fill it out as completely as possible so we can build up an entire profile on you, things that may not seem important to you, like how long you were at your last home or what your credit card limits are, can be crucial in us getting you an easy approval.

Speak to a loan consultant
One of our consultants will give you call and talk you through the loan, confirming what you are looking do to and what exactly we can do to help.

Send through supporting information
Typically we will ask for your last month bank statement, proof of income and ID. The bank statement will allow us to see any AP’s and DDs and credit card payments leaving your account and income coming into your account.

After this information has come through we will process your loan and come back to you with an answer or options. Sometimes we may need additional information such as credit references but your consultant will tell you what we need and why.

Get loan documents sent out
Once it has been approved and you are happy with the approval terms, we will get the documents drawn up and sent out to you. We can e-mail and/or courier them out, whatever is easier for you.

Sign and return the documents
Some documents can be emailed back, some faxed back but we will always need the originals back as well. Most of our documents are easy to read and come with helpful coversheets but our consultants are always a phone call away for anything you don’t understand.

Loan gets paid out
Usually overnight the same day we get the documents back. If it is debt consolidation, typically the debts get paid directly, otherwise money will go straight into your account.

Helpful hints:

  • Age - You must be over 18.
  • Insurance - the assets need to be insured. We can finance the premium in with the loan if required.
  • Something to consider - if you don't own the proposed security you cannot offer it as security unless the owner agrees (they will need to sign as a guarantor or co-borrower).
  • For more information check out our frequently asked questions.