IMPORTANT INFORMATION
Terms and Conditions
Visa Money website information and the lender’s application terms
Using this website
Visa Money provides general information about a credit provider and links to its application. This website does not itself approve a loan, make a credit offer or collect your application. Content is general and may change. You should confirm current eligibility, fees and terms in the lender’s precontract disclosure and proposed credit contract.
Application eligibility
The lender’s published application terms require applicants to be at least 18, an Australian tax resident and to have regular after tax income of at least $1,000 per fortnight, including eligible benefits or pensions. Its assessment also considers ability to repay without substantial hardship. Visa holders should ask about their circumstances and provide current visa evidence when requested. Meeting basic criteria does not guarantee approval.
Information and electronic communication
The lender’s application requests accurate and complete information and consent to electronic documents and communications through channels such as email, SMS and its customer portal. Its application may ask you to acknowledge the privacy, credit reporting, credit guide and fee documents. Read the actual consent text presented when you apply before submitting it.
Credit checks and data sharing
The lender may obtain and disclose credit information to credit reporting bodies, assess your financial circumstances and use service providers for verification and account management. The Privacy Policy and Credit Reporting Statement provide more detail.
Loan contract and payments
Any approved loan is governed by the lender’s specific contract, repayment schedule and precontract information. Those documents determine the amount, fees, interest where applicable, payment dates and rights. A payment error, unauthorised debit or overpayment should be raised promptly with the lender. It considers refunds according to the contract and circumstances, and complaints can be escalated.
Questions or disputes
Contact hello@needyloans.com.au. For a complaint or hardship request, see Complaints and Hardship Support. The lender’s published terms identify Victorian law for its site and application; the governing law for your loan is stated in your contract.
These pages explain the published information in the Visa Money context. The credit provider’s application disclosures and your individual loan contract set out the terms applicable to an offer. For questions, contact hello@needyloans.com.au.
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