Application Process and Timeline

### How to Apply

#### Step 1: Online Application (5 minutes)

Complete our digital application form:

- Personal details

- Employment information

- Income and expenses

- Loan amount and purpose

#### Step 2: Identity Verification (2 minutes)

We verify your identity using:

- Government-issued ID

- Facial recognition

- Document verification

#### Step 3: Credit Assessment (Instant to 24 hours)

**Instant Decisions:** 70% of applications receive instant approval

**Manual Review:** More complex applications take up to 24 hours

**Further Information:** Some applications require additional documentation

#### Step 4: Contract Signing (5 minutes)

- Review your loan contract

- Sign digitally

- No physical paperwork needed

#### Step 5: Funding (Within 60 minutes)

- Funds transferred to your bank account

- Available during business hours (Mon-Fri, 9am-5pm AEST)

- After-hours applications funded next business day

### Application Outcomes

**Approved:**

- You'll receive your contract via email

- Sign and return within 7 days

- Funds released after signing

**Declined:**

- You'll receive an email with the reason

- You can reapply after addressing the reason

- No impact on future applications (after 3 months)

**More Information Needed:**

- We'll contact you via SMS/email

- Provide requested documents within 7 days

- Application continues after verification

### Why Applications Are Declined

Common decline reasons:

1. **Insufficient income** - Loan amount too high for your income

2. **Credit history concerns** - Recent defaults or poor credit score

3. **Existing debt levels** - Too many existing commitments

4. **Affordability** - Expenses too high relative to income

5. **Identity verification failed** - Unable to confirm your identity

6. **Ineligibility** - Don't meet basic eligibility criteria

### After Your Application

**If Approved:**

- Contract valid for 7 days

- Must sign to activate

- Cool-off period of 5 business days after signing

**If Declined:**

- Wait 3 months before reapplying

- Address the decline reason

- Consider a lower loan amount

**If More Info Needed:**

- Check your email/SMS

- Upload documents via secure portal

- Application expires after 14 days if not completed