Explore your options
Think about what you need, what you can afford and whether borrowing is the right choice for you.
FOR LIFE IN AUSTRALIA
A little help.
A clearer
way forward.
Life doesn't always go to plan. Make sense of your loan options with simple information and a real team to talk to.
Let's find your next stepCredit criteria, fees and eligibility requirements apply.
Online applicationsClear loan termsHuman support
Here for the everyday.And the unexpected.
LESS GUESSWORK. MORE CLARITY.
Know what comes next.
From your first question to your final decision, keep the process simple.
Share your situation
Continue to the lender's application. Your identity, income, expenses and credit history help the team assess your application.
Decide with the details
If approved, review your fees, repayments and loan terms before accepting. Approval is never guaranteed.
START WITH THE BASICS
Your circumstances.
Your next step.
Loans from $500 to $5,000 may be available through the lender. The amount offered depends on assessment and current lending criteria.
Living in Australia on a visa? Ask the team about your visa type before applying. Holding a visa alone does not establish eligibility.
Ask about eligibilityWhat to have ready
Proof of identityCurrent identification documents for verification.
Visa documentation, if applicableApplicants who hold a visa will be asked for evidence of their current visa status, such as a visa grant notice or VEVO record, during the application assessment. The team may ask for further details about visa conditions.
Your income and expensesRecent income information and bank statements for assessment.
A realistic repayment budgetConsider your regular living costs and existing commitments.
Applicants must be at least 18. Additional eligibility and verification requirements apply. Provide documents only through the lender's secure application process when requested.
GOOD QUESTIONS. CLEAR ANSWERS.
A little clarity
before you start.
Can't find what you need?
Talk to the team.
Who provides the loan?
The credit provider is identified in the legal information below and in your loan documents. Visa Money guides you to the lender's application and support channels.
Can I apply if I hold an Australian visa?
Contact the team to check whether your visa type and circumstances meet the lender's current criteria. We do not promise acceptance for any particular visa subclass. Your income, expenses and ability to repay also need to be assessed.
What will a loan cost?
The cost depends on the product, amount and term. Review the lender's fees and charges and the full repayment schedule in your offer before accepting. Missed payments may lead to additional charges under your contract.
How quickly will I receive a decision?
Timing depends on verification, the information supplied and the assessment. If approved, payment timing also depends on your bank. There is no guaranteed approval or funding time.
Will my credit history be checked?
The lender assesses your credit history alongside your current finances. A credit application may involve a credit enquiry. Read the lender's credit reporting and privacy information before applying.
What if I'm having trouble with repayments?
Contact the lender as soon as possible to discuss your circumstances and request hardship assistance. For a complaint, use its complaints process. Information about independent dispute resolution is available at AFCA.
READ BEFORE YOU APPLY
Important documents
These documents are issued by the credit provider. They explain who the loans are designed for, how your information is handled, and the terms that apply when you use the lender's application.
Target Market DeterminationWho the SACC and MACC products are designed for and their distribution conditions ↗Privacy PolicyHow the lender collects, uses, stores and discloses personal information ↗Terms and ConditionsThe lender's application and website terms ↗Credit Reporting StatementHow credit-related information is handled ↗
The lender's loan contract and repayment schedule will set out the terms of any offer. Review them before accepting.
WHEN YOU'RE READY
Let's take the
next step together.
Review the important documents, ask a question, or continue to the lender's application.
Continue to application I'd like to ask a question first
You will leave Visa Money and open the lender's website. If you hold a visa, be ready to provide documentation through its secure process.