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 →Specialty · A CLEARER STARTING POINT
Self-Employed Loan
Explain how your income works and explore finance with records that reflect your business and personal circumstances.
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 your goal and the questions you want answered. We can discuss the process, relevant information and any service scope or fees before you decide to proceed.
- Purpose
- Exploring personal or business finance where income comes from self-employment.
- How it works
- Income patterns, business structure and available records help determine what information is needed.
- 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
Start with the purpose and the information available.
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 →Business-purpose funding
Discuss business purchases and cash flow through the business finance pathway.
Keep in mind: The intended use matters; an ABN alone does not decide the structure.
Explore this option →A situation you might recognise
ILLUSTRATIVE EXAMPLE
Your income varies across the year and you want the seasonal pattern understood before discussing finance.
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
Variable income and alternative records need review. Low doc does not mean no verification.
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
Available accounts, tax returns, BAS or statements, how you pay yourself and regular commitments.
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 income changes month to month?
Yes. Explain how you earn, seasonal changes and your regular commitments so the team can understand the pattern.
What if my latest tax return is not ready?
Tell us which records you have, such as statements or accounts. The team will confirm what is needed; alternative documentation is not automatically accepted.
Is this for business or personal borrowing?
Explain the intended purpose and use of the funds. The appropriate pathway and information requirements depend on your circumstances.
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 →