Simply visit our ‘apply now’ page and fill in your details. We’ll get in touch to complete your application which will take about 10 minutes. Your specialist will ask you about your work history, get a snapshot of your living expenses and any ongoing financial commitments you may have. Alternatively give us a call on 1300 358 358.

Anyone who is an Australian resident, over 18 years of age that gains income from employment or pension can apply for a loan from us.

This is dependant on your circumstances. After receiving any supporting documents we may need, in most cases we can have an approval in 1 hour.

That’s absolutely fine, give our friendly team a call on 1300 358 358.

We offer loan terms from 1 year to 7 years (12 to 84 months).

We offer both fixed and floating interest rates.

Yes, we have fantastic relationships with a large number of car dealers , giving us access to fleet pricing on new vehicles and a large selection of used cars

Yes, we have a panel of over 50 lenders. We run an internal assessment to see where your application fit’s best.

Yes, it’s worth getting a second opinion. It could be that you’ve been declined at a car dealership that only has a one size fits all product. We have a panel of over 50 lenders. We run an internal assessment to see where your application fit’s best.

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.


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.
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.
Your interest rate is based on the overall strength of your lending profile. Factors such as time in job, age of vehicle, whether you are a homeowner or renter, and credit rating determine the rate of interest.


Our computers and internet connection are protected by SSL (Secure Socket Layer) .All communication with our clients is encrypted. There is no unauthorised access to your information.

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.


We employ the highest security and encryption standards.


We employ up to 256-bit Secure Sockets Layer encryption to protect you and your information. Any data transmission between our system and yours, or vice versa, is encrypted so we keep your data safe.


We are certified by, the largest domain name registrar and web-hosting provider in the world. Our website holds GoDaddy Web Server Certificate.

Constant Security

24/7 security camera system operates around the clock to make sure no unauthorized access is allowed.

Restricted Access

Only you are able to see or modify your internet banking password, no other person at National Loans is able to do so.

Consult our FAQs for any further information regarding your information security.


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:

Visit our office: Level 1, 21-23 Maroondah Hwy, Croydon, Vic 3136

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



Suite 2, 475-477 Maroondah Hwy, Ringwood, Vic, 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 details are protected by 256bit encryption
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