What you'll need

To apply for a Fixed Rate Personal Loan, you'll need to meet the following criteria:

• Have a good credit rating
• Hold Australian citizenship or permanent residency
• Provide any original documents requested by the bank, from the list below

 

Proof of income
Your two most recent payslips, or, if you are self-employed, your last two years' tax returns/financial statements and your latest assessment notice.

Banking records
Account statements for all savings and investments covering the last three months.

Loans & debts
The latest statements or details of any current loans with financial institutions or family and friends covering the last three months.

Refinancing
If you are refinancing other loans, please provide your original loan statements covering the last three months.

Identification
You will need to provide your personal identification to confirm your identity such as:

One of the following documents which contains your photo

• Passport
• Australian Drivers / Firearms licence
• Proof of Identity / Proof of Age card

Or two different documents from this list

• Birth Certificate
• Citizenship Papers
• Pension Card
• Council rates or utility bill or Australian Taxation Office assessment notice or overseas drivers licence (only one of these documents may be used)