Loan Application Process | Help Center

Understanding the loan application process helps set expectations and ensures a smooth experience. Here's what happens at each stage.

Initial Assessment

5-10 minutes

Complete our smart assessment form with details about your income, expenses, and what you're looking to borrow. Our system instantly matches you with suitable lenders.

This doesn't affect your credit score - it's just an initial assessment.

Document Upload

15-30 minutes

Upload your supporting documents through your secure dashboard. Our system will guide you on exactly what's needed based on your situation.

ID verification
Income evidence
Bank statements

Broker Review

1-2 business days

A licensed broker reviews your application, confirms the best lender match, and may call to discuss options or clarify details.

We'll contact you to discuss the best options for your situation.

Lender Submission

Same day

Once you're happy with the recommended loan, we submit your application to the lender. This is when a credit check is performed.

Assessment & Approval

2-5 business days (varies)

The lender assesses your application. For home loans, this includes property valuation. We keep you updated throughout and chase any delays.

Complex applications or busy periods may take longer. We'll keep you informed.

Settlement

As per contract

Once approved, you'll receive loan documents to sign. After signing, settlement is arranged - this is when funds are transferred and you officially have your loan.

Congratulations! You'll receive confirmation once settlement is complete.

Typical Timeframes

Loan Type	Pre-approval	Full Approval
Home Loan	1-3 days	5-14 days
Car Loan	Same day	1-3 days
Personal Loan	Same day	1-2 days
Business Loan	1-2 days	3-10 days

Documents Needed FAQ