Our application process is simple and will only take a few minutes of your time.

Simply visit our apply now page, fill in your personal details and tell us what type of loan you are interested in and then click send. After you have sent your application, wait for us to get in touch with you. We generally respond to all applications within 1 business day.

Anyone who is an Australian resident, over 18 years of age and employed can apply for a loan from us.

During the application process, we are going to ask for your:

  • Full name
  • Date of Birth
  • Driver’s license information
  • Current address
  • Valid email address
  • Phone number
  • Employment status
  • Income level
  • Credit Status

In some cases, we need additional documentation and might request you to provide:

  • Proof of Income
  • Proof of Address
  • Proof of Identity
  • Proof of a degree or license if you are a self-employed professional

If your loan is approved, you will also need to provide your bank details.

Note: You can help your application process go smoothly and faster by submitting the information and documents that we request promptly and accurately.

Processing time varies from case to case and can take anywhere from 48 hours to 2 weeks.

During this time, we verify all the information that you submitted, confirm your employment status and take a look at your credit report, among other things. We may contact you during this time if we have any questions.

No. We only take applications online or in person at our office.

We’ve worked hard to make sure our online application is user-friendly on any device, including all types of computers, tablets and smartphones. If you prefer to come by our office, you will find our staff ready and welcoming.

Any Australian resident who is more than 18 years old, is employed and has an acceptable credit history is eligible for a loan.

We strive to be responsible lenders, so along with considering the criteria above, we also make sure our clients will be able to repay their loans comfortably before we approve their applications.

The amount that we are willing to lend you depends on a variety of factors, including your income, monthly living expenses and credit rating, among other factors.

We take all of these factors into consideration to help guarantee that we are lending you an amount that your will be able to repay.

Our loans usually have a tenure of 1 to 5 years (12 to 60 months). When necessary, we do provide loans with shorter or longer tenures.

Yes. We always check an applicant’s credit history before approving their loan, but this does not mean that we deny everyone that has black marks and defaults in their credit file.

If we find black marks in your credit record, we will generally talk with you about them and give you an opportunity to explain them and even to prove that your circumstances have improved.

We encourage you to request and analyse your credit record before you apply for a loan and if necessary, gather relevant information and documents to help us understand your situation.

Keep in mind that although we would like to help everyone with a loan, circumstances sometimes require us to decline an application.

There are three primary credit reporting bodies here in Australia. They are:

The Australian government requires these credit reporting bodies to provide all consumers free access to their credit report once a year. Consumers may also request a free credit report if they have been refused credit within the past 90 days or if their credit-related personal information has been corrected.

At all other times, these credit reporting bodies may charge a fee, but it is usually affordable.

The terms settlement, default and closed are commonly found in credit reports and it is important that you know what they mean so that you understand your credit history accurately.

Here are their definitions within the context of loans and credit:

  • Settlement – An official agreement in which the borrower has repaid a portion of their dues and the lender agrees to not pursue them for the remaining balance.
  • Default – The borrower has failed to fulfill their obligation to pay a debt.
  • Closed – The borrower has paid the debt in full.

As a loan company we look for these terms in every applicant’s credit report. We do loan to applicants who have defaults and settlements in their credit history, but consider them higher risk. We naturally prefer to loan to those who have a history of closing debts.

If your credit history isn’t the best, there are ways to improve it, for instance:

  • Pay your bills on time
  • Make loan or finance repayments by their due date
  • Pay off any debts that you have defaulted on
  • Catch up late payments and overdue bills
  • Don’t apply for credit multiple times within a short period of time.

It usually takes less than 15 minutes to fill out our application form and then the processing phase begins. This phase can take anywhere from 2 – 14 days depending on how much documentation is needed and how quickly we can verify it.

Once your loan has been approved, we strive to make the funds available to you within a week or 10 days. You will then begin monthly repayments.

If your loan is taking a lot longer than these estimated time frames, contact us and we will do our best to explain what is causing the delay.


We usually charge applicants a loan origination fee (also called a loan processing fee) to cover the costs that we incur as we process and verify their documentation. This fee varies according to the type of loan in question and also its amount.

We provide a number of extra services that are free of cost, for instance:

  • If you want to pay your monthly repayment early or want to make an extra payment on your loan, we won’t charge you any fees for processing these payments.
  • If you repay your loan early, we won’t charge you early termination fees.
  • If you need to change a payment and this change falls within the terms of your loan, we will change the payment for free if you inform us about the change 1 business day before the payment is scheduled.

There are also a few circumstances in which we charge a fee:

  • If you fail to let us know that you are not going to be able to make a repayment, we will charge you a dishonour fee.
  • Every time your account is not up to date at the end of your payment cycle, we will charge you an overdue account fee.
  • If you are consistently delinquent in paying your loan and if you default on your loan, we will charge you additional fees.

After your loan has been approved, we will contact you and set up a repayment schedule that will be easy for you to manage. We generally try to personalize each client’s repayment schedule so that it coincides with their pay cycle.

As a general rule, our loans have lower interest rates than many other debts, but the exact interest rate that you get depends on a variety of factors, including what type of loan you are taking out and its amount.


Contact us! We will do all that we can to help you if you will let us know the difficulties that you are facing.

Contacting us is easy:

Call us: 1300 358 358

Send us an email: enquiries@nationlloans.com.au

Visit our office: Suite 2, 475-477 Maroondah Hwy, Ringwood, Victoria, 3134

If you fail to make a repayment or if your repayment is set up as a direct debit and the bank declines it, we will charge you a dishonour fee. In the case of a dishonoured direct debit, some banks will also charge you a fee for not having sufficient funds in your account to cover the direct debit.

We charge a dishonour fee every time that you miss a repayment, have direct debit declined or in short, whenever your commitment to make a loan repayment is not met.

If you can’t make a repayment or if there are insufficient funds in your account to cover a direct debit, contact us and we will help you arrange an alternative payment.

Anytime that your account is overdue at the end of your payment cycle, we will charge you an overdue account fee. If your repayments are consistently overdue, your interest rate may go up because your outstanding balance increases.

We make it a point to contact our clients every time they miss a repayment in order to understand their situation and if necessary, reevaluate their repayment schedule.

As much as we would like to give you one, there isn’t a magic formula that will help you stay current on your repayments. Instead, it takes planning and follow-through to manage your repayments and ultimately pay your loan in full.

Here are 5 tips that will help you reach success in this area:

  • Live within the reality of your paycheck.
  • Create a monthly budget to control your expenses.
  • Mark the due dates of your bills on your calendar and pay them promptly.
  • Write down how much you owe and subtract your repayments from it, so that you can see your progress as you work toward getting out of debt.
  • Don’t hesitate to seek help from a financial advisor when necessary


Yes. We regularly call anyone who submits an application, as well as clients who have missed a payment or are experiencing some other difficulty.

When necessary, you are welcome to call us at the following number: 1300 358 358

Yes, you are welcome to visit our office. Our address is Suite 2, 475-477 Maroondah Hwy, Ringwood, Victoria, 3134

We always welcome feedback, independent of whether it is positive or negative. If you would like to make a complaint, give us a call as soon as possible: 1300 358 358

If there has been a misunderstanding, we will do our best to clarify things and if we are at fault, we will thank you for bringing it to our attention and giving us the opportunity to improve our services.

Here at National Loans we take honesty very seriously and always strive to be transparent.

Here are the links to our policies:

  • Privacy policy
  • Security policy
  • Responsible lending guidelines


Your privacy and security is of vital importance to us whether you visit us at our office or contact us online.

In order to protect you, we maintain the same security standards as banks and other payment companies, and keep our office and website outfitted with top-of-the-line security features.

Here’s the link to our security policy if you would like to read it.

Our website and internet connections, as well as all of our computers are protected by a Secure Socket Layer (SSL). In simple terms, this means that our communications with our clients and all the information that they entrust us with is encrypted to prevent unauthorized access.