How do I apply?
It’s easy! Just complete the on-line application and fax or scan the required information. Apply Now

What are the requirements for approval?
You must be a resident of Australia and 18 years or older. You must prove you can repay the loan without causing hardship to yourself.

How much can I borrow?
Loans start from $500 upwards.

Do I need security?
Yes. We will accept unencumbered  motor vehicles, motorcycle and boats as security.  You are also more than welcome to request a guarantor provide collateral on your behalf.

What if I have bad credit?
We evaluate each application on its individual merits. If you are credit impaired we will accept your application and ascertain your ability to pay back the loan requested in accordance with our normal review process.

What if I am self employed?
We require you to show us the last 2 months of bank statements to prove your income.

How do I find out if I’m approved?
Once you’re approved a friendly staff member will contact you with a loan offer.  A staff member will keep the applicant informed of there progress during the loan assessment period.

When do I get my Funds?
Once all the documentation is completed and final approval obtained the funds will be transferred by Electronic Funds Transfer (EFT) into your nominated account.

How do I repay my loan?
Either by way of a payroll deduction or direct debit from your nominated bank account. The deductions will be made on the specified day agreed.

What happens if I don’t have the funds available to pay back the loan?
We’ll work with you. Contact us as soon as you know that there’s a problem, at least 24 hrs before the scheduled repayment date. If we attempt to withdraw funds that aren’t there, we incur extra expenses that we have to pass on to you. By staying current, you limit any additional charges or collection fees assessed to your account.