1
Tell us about you
Email us with some basic details, including why you need a loan, then:
- We’ll set up a phone call to see if you prequalify.
- There’s no charge – your prequalification assessment is free.
- If you prequalify, you’ll move on to step 2.
2
Complete your application
To process your application, we ask for a fee which acts as security on the loan.
- The good news is, every cent is taken off the total amount you pay back.
3
Additional information
As your application progresses, we’ll need some extra information from you, such as:
- Valid ID – e.g. drivers license, passport
- proof of income
- proof of employment.
4
Loan approval
We’ll work with you to make sure you get the loan you need.
- Once it's approved, you have up to 30 years to repay it — always at 0% interest.
- If you want to, you can defer the start of repayments for up to one year.
5
Receive your funds
Once your loan is approved, we will transfer the funds into your account.