How can I get approved faster?

We take as little time as possible to assess your application, however the time it takes can change depending on the complexity of your application,

We’ll let you know if we’re experiencing any delays and once we pick up your application, we immediately start working towards approval. Our process moves quickly so it’s important to check your eligibility and make sure you have the correct identification and documentation ready when you apply. This helps our Credit Assessors review your application in as little time as possible.

These things may require manual work for our Credit Assessors and slow down the process:

• Opting for manual financial validation instead of securely linking your accounts
• Submitting an incomplete application
• Providing inaccurate estimates of your expenses (or any information regarding your income, expenses and debts which doesn't match your actual situation)

Making sure you have everything ready before you apply and responding quickly to requests from our Credit Assessors, will help get you approved faster.

Note: We’ll only refer your application to one of our Credit Assessors if we need more information. Sometimes they’ll only need one or two things like updated payslips or a bank account statement. Everyone’s situation is unique, so if your specific application is more complex than most, you might be asked to provide more detail. If you’ve chosen to validate your financials manually, this typically requires more information and your application will take longer to assess, however if you choose digital validation, our team receive the exact same information, but much faster.

If your application is time-sensitive or if there is a deadline you’re trying to meet, please speak with our team to get an understanding of our current approval times. You can chat with us over LiveChat or on 1300 842 405.