Unsecured personal loan
Borrow without using an asset as security.
Keep in mind: Repayment obligations remain. Compare fees, interest and the full cost.
Explore this option →Personal · A CLEARER STARTING POINT
Low Credit Score Personal Loan
Explain your circumstances and explore the next step before making another credit application.
Explore the information first. Our team can help you understand the next step.
Your initial profile review won’t affect your credit score.
How credit checks work
The initial review does not involve a hard credit enquiry. If you choose to proceed, a formal credit application may involve a hard enquiry, which can affect your credit score.
THE ESSENTIALS
Your finance essentials.
Start with what you want to achieve, the amount you have in mind and your household budget. Our team can review the details and discuss possible pathways with you.
- Purpose
- Discussing borrowing needs where credit history needs explanation.
- How it works
- The team reviews the circumstances before discussing possible next steps. A conversation is not an eligibility result.
- Security to understand
- Secured and unsecured structures differ. Any proposed security must be explained before you agree.
- Costs to compare
- Compare the interest rate, applicable comparison rate, fees, term and total repayments. Ask about early payout charges.
A LITTLE MORE CLARITY
Understand the structure, not just the repayment.
These explanations help you understand the differences. They do not select a product for you.
Explore related funding structures
Secured personal loan
An accepted asset supports the loan.
Keep in mind: The asset may be sold if repayments are not met. A lower total cost is not guaranteed.
Explore this option →Debt consolidation
Replace selected debts with a new loan, if approved.
Keep in mind: A smaller repayment over a longer term can cost more overall.
Explore this option →A situation you might recognise
ILLUSTRATIVE EXAMPLE
You have an entry on your report you want to explain before making a finance application.
The team would discuss the purpose, information available, costs and repayment obligations before any next step. This illustration is not a client story, offer or approval.
Before you decide
A credit issue does not guarantee either approval or decline. Ask which checks are proposed before consenting.
ASIC Moneysmart: personal loans ↗GETTING READYA little preparation.
A little preparation.
A better conversation.
You don’t need to have every answer before contacting us. Start with your goal and our team will explain what information is needed.
For this particular request
A short explanation of the issue, whether it is resolved and relevant correspondence.
If you are employed
- Recent payslips and the details of your employment.
- Income statements and evidence of regular commitments, as requested.
If you work for yourself
- Available tax returns, accounts, BAS or business statements.
- How you pay yourself, seasonal changes and existing commitments.
Self-employed consumer finance: accountant’s letter option
Self-employed and applying for a car for personal use, a personal loan or another eligible consumer purpose? If your last two years of tax returns are not yet complete, an accountant’s letter may be accepted as the income document for eligible finance options.
Ask our team about an accountant-letter-only income verification option. Identification and other standard application information may still be required. Availability is subject to product criteria, assessment and approval.
These are conversation checklists, not the final application requirements. Our team will confirm the relevant records and periods.
What should I tell the team?
Your goal, preferred timing, and any circumstances you would like us to understand. Share sensitive documents only through a verified, approved process.
NO GUESSWORK REQUIRED.
Your questions, welcome.
Can I enquire if my credit history has some difficulties?
Yes. Explain your current circumstances and the entries you are concerned about. A conversation does not guarantee eligibility or approval.
What helps you understand my situation?
A short explanation of what happened, whether the issue is resolved, and your current income and commitments helps us identify what needs review.
Will an enquiry improve my credit score?
No score improvement is promised. Ask the team what checks are proposed and when consent is needed before proceeding with a finance application.
What rate and fees would apply to me?
These depend on the product and your individual assessment. Ask for the rate, fees, repayment schedule and total cost in the proposed terms before deciding.
Can I start with a quick question?
Yes. Choose the short enquiry to share your goal and contact details, or take the full application path if you have more time. The team can clarify what is needed next.
Still wondering about something?
Share a little about your plans, or complete the full application if you’re ready.
Choose how to get started →