Credit Criteria

Our criteria are flexible and we try to be as accommodating as we can. The questions and answers below should help give you a guide as to our lending criteria, but please remember these are guidelines so if you are still unsure, get in touch or alternatively just complete an application.

Minimum age

The minimum age for borrowers is 21 years.


You should be in employment before taking a loan, but like other criteria this is flexible.


Most of our loans are completely unsecured. In some cases, security such as a motor vehicle may be required for higher value loans.


A clean credit history will make your application process smoother, but we can structure loans for a whole range of different credit histories so if in doubt, just apply.

Amount you can borrow

The amount you can borrow depends on your circumstances – everyone is different. The best thing to do is apply for the amount you want and we'll let you know.

The application process

  1. Apply online
  2. Send through supporting information we request
  3. Sign the loan agreement we send you
  4. Your account is automatically credited