What factors can affect my approval time?

The time it takes us to assess your application can change depending on how many applications we’re currently receiving and the complexity of your application.

If we need a little more information, however it will sometimes cause delays. Opting to validate your financials manually instead of securely linking your accounts slows the process down significantly, and one of our Credit Assessors will need to assist. Submitting an incomplete application or providing inaccurate estimates of your expenses (or any information regarding your income, expenses and debts) also requires manual work from our Credit Assessors, so make sure you’re really ready before you apply.

Due to our competitive rates, we often receive large volumes of applications and it takes us a little longer than usual to assess and approve your application. When this happens, we’ll be sure to let you know as soon as possible. We work hard to keep up with demand and are continually growing our team to ensure we maintain our fast approval times.

If your application is time-sensitive or if there is a deadline you’re trying to meet, please speak with our team to get an understanding of our current approval times. You can chat with us over LiveChat or on 1300 842 405.