CLEAR CREDIT PERSONAL LOANS, CAR LOANS AND BOAT LOANS: 

Read through the below so that we may better assist you today:

• Applicants must have minimum 6 months Full Time employment.  
• Be sure that you have No paid or unpaid defaults listed on your credit file. 
• Do not apply with more than one institution at any one time. 
• Know how many institutions you have already applied to over the past 6mths.
• Make sure that you have No late payments due on any loans already in your name.
• You can request a copy of your Credit File free from Veda Advantage today.
• Know what your loan purpose is. We will ask why you need a loan.
• Have your ID ready; Driver's licence, Medicare card, Birth certificate etc...

Apply Now

What documentation will you need?

• Residency (Citizen certificate or Birth certificate)
• Income verification (Bank statements or Tax assessment notice)
• Employment (Payslips x 2 and Letter from Employer)
• Identity (100pts of ID including 1 Photo ID)

CLEAR CREDIT CAR LOAN APPLICATIONS:

• Cars must be less than 10 years old.
• Year, Make and Model must be known for all car loans. 
• Pre Approvals to go shopping to buy a car - instant written approvals supplied.
• Secured loans against your unencumbered car okay for business purposes only.
• 100pts of ID - Drivers licence, Medicare card, Birth certificate, Passport etc...
• Income verification - Bank statements, Payslips, Letter from Employer.
• Instant approvals by phone or Print out, complete and return an application form.

Apply Now

What documentation will you need?

• The registered car dealer's details. 
• Residency (Citizen certificate or Birth certificate)
• Income verification (2x Payslips and Group certificate)
• Employment (Payslips x 2 and Letter from Employer)
• Identity (100pts of ID including 1 Photo ID) 

CREDIT IMPAIRED PERSONAL LOANS:

*Property is required as security for all credit impaired applications.

• Must have property with adequate equity available as loan security.
• Unpaid defaults permitted which must be paid in full from loan proceeds.
• 6 Months of original and most recent mortgage statements will be required.
• A credit check will be conducted at the time of lender application assessment.
• A property valuation or appraisal may in some circumstances be requested.
• 6mths discharged from bankruptcy okay however do apply conditions.  

Apply Now

What documentation will you need?

• Residency (Citizen certificate or Birth certificate)
• Income verification (Bank statements or Tax assessment notice)
• Employment (Payslips x 2 and Letter from Employer)
• Identity (100pts of ID including 1 Photo ID)

We are unable to assist applicants with Part IV, Part X or Bankruptcy. 

Important Information - Please Read Below

An authorised NCH Loans Australia consultant will contact you within 24hrs after we have received your online application. Credit checks are NOT performed without your prior consent. Personal loan applications are only lodged to one lender only after thorough assessment of your financial position and upon signed consent and written instruction from you to request that we proceed with your loan application.