Clear steps. Clear fees. No surprises.
Here's every step from application to contract signing, with exactly who checks what before a loan is funded.
Pick an amount
Use the calculator to choose between $200 and $2,000. The establishment fee (20%) and monthly fee (4% of the amount borrowed) are set by law — we show them upfront. Your weekly repayment is set based on what you can afford, which we work out after you connect your bank.
Tell us about you
Name, date of birth, address, ID type. Plus employer, pay frequency, approximate income. NCCP requires we ask your reason for borrowing — no judgement; it's a regulatory checkbox.
Connect your bank
We use open banking to read the last 6 months of statements. Your consent lasts up to 12 months, and you can withdraw it at any time. Read-only access supports affordability assessment and reduces reliance on thin credit-bureau files.
Prove it's you
Quick photo of your ID and a video selfie via RapidID (GBG). It checks name, DOB, address match, document validity, and liveness (to stop deepfakes). We also screen against PEP / sanctions lists as part of our AML checks.
We run the numbers
Our credit model scores stability of income, expenses, existing obligations and behavioural signals. A real credit analyst reviews anything the model can't decide on its own. You'll get an answer in the portal, with SMS and email notifications once messaging providers are connected.
Approved? Sign the contract
If approved, we send the loan contract to your portal. Read it (it's a SACC contract — 4 pages, plain English), and sign with an SMS one-time passcode.
Get paid
Funds go to your nominated bank account after your contract is signed. Most transfers land the same day.