Take a second to check you're eligible for a personal loan.

You're eligible to apply if

  • Banking on the go You're at least 18 years old and have a good credit rating.
  • Banking on the go You make $20,000 p.a. to meet the minimum income requirement.
  • magnifying glass icon You live in Australia as a citizen, permanent resident or New Zealand citizen.
  • You're employed or earn a regular income.

After completing your enquiry, get these documents ready to help speed up the process once a lender contacts you:

  • Identification documentation
    You'll need to identify yourself when you apply for a personal loan. Find details of acceptable documents here.
  • Proof of income
    You'll supply your payslips, your most recent personal tax return, or payment summaries.
    Other evidence of income or additional documentation may be required.
  • Savings history and deposit details
    It's important to demonstrate your ability to meet your regular financial commitments.
    Provide copies of your account statements or any other supporting evidence of your savings to support your personal loan application.
  • Existing financial obligations, e.g., loans and bills
    Details of your other commitments and loans are necessary for your personal loan approval.
    How you managed your last or current loan, together with how much you're currently repaying is important.

Before enquiring, calculate how much you can borrow

Find out how much you may be able to borrow for a personal loan in moments. Enter some simple details and we'll crunch the numbers for you.

Figures provided by our calculator are an estimate only and don’t represent a quote or pre-qualification.

Interest rates effective as of 16/04/2025 and are subject to change without prior notice.
Terms, conditions,  fees, charges and credit approval apply.
*The Comparison Rate for personal loans is calculated on loan amount of $30,000 for a term of 5 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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General Advice Warning: Any general advice on this website (including via webchat) has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on the advice, you should consider its appropriateness (having regard to your personal circumstances). Before deciding to acquire a financial product from us, you should also consider the relevant Terms and Conditions or Product Disclosure Statement.