How do I apply for a loan or credit facility?

1. Choose the product. Personal loan, auto loan, mortgage, working capital, equipment finance or a growth facility — each product page sets out the terms and typical use.
2. Check affordability. Use the calculator on the product page to model the monthly repayment before you commit.
3. Complete the application. Sign in and open Applications → New application. Existing customers have most fields pre-filled.
4. Upload supporting documents. See What documents do I need for a loan application.
5. Submit and track. Your application appears under Applications with a live status.

What we assess

• Income, and its stability over time.
• Existing commitments and overall debt-to-income position.
• Credit history and conduct on any accounts you hold with us.
• For business lending: trading history, cash flow, and the purpose of the funds.
• The value and condition of any security offered.

Applying does not commit you to anything. You will receive a formal offer setting out the rate, term, total repayable and all fees, and you decide after reading it.