How it works
A clear path, with no surprises.
You will always know where your application stands and what we need from you next.
Step 1: Complete the application
Seven short steps covering your details, income, the loan you need and your banking details. You can pause and finish on your phone.
About 5–10 minutes.
Step 2: Submit supporting information
Upload your identity document, proof of address, proof of income and recent bank statements. Business applicants may need business documents.
Clear photos or PDFs are accepted, up to 10 MB each.
Step 3: We review affordability and documentation
A person reviews your file, checks that your information is complete and consistent, and assesses what you can comfortably afford to repay.
We contact you if anything is missing or unclear.
Step 4: Receive a decision and next steps
We tell you the outcome using your preferred contact method and explain exactly what happens next. If approved, all terms are confirmed in writing before anything is signed.
Approval is never guaranteed.