Applying for a loan online should be straightforward. No branch visit, no printing, no posting documents. The whole Safe Financial application happens on your phone, tablet or computer wherever you are.
Your ID. An Australian driver licence or Medicare card. You'll need the number and expiry date, so have the card with you rather than working from memory.
Your internet banking login details. This is for your main bank account, which we assess for your application, and the one any approved funds would be sent to.
Your source/s of income. Your wage or salary, how often you're paid and who pays you — plus anything else coming in, whether that's a second job, government payments, child support or income from investments.
Your household information. Where you live, whether you rent, own or live with friends/family, and how much you contribute towards living expenses (if any).
Your regular expenses. Think about your average spending amounts for groceries, transport, bills, insurance, subscriptions, and any other loan or credit card repayments. Approximate figures are fine, but they should be realistic because we compare them against your bank transactions, and a large amount of mismatched information slows things down.
An emergency contact. We often require a contact in case we cannot get a hold of you in the future.
$500
$5,000
Repayment frequency header
New customers must work and earn $700+/wk to be eligible to apply.
* Repayment amount is a guide only. If your loan application is conditionally approved, your loan contract will list the repayment amounts, the number and frequency of repayments, when they are due, and any fees and charges.
How long does the application take?
The application can be completed in as little as five minutes if you have the information listed above ready.
Why do you need to review my bank statements?
Because responsible lending law requires us to verify your financial position and assess your ability to repay the loan. And if your loan is approved, we need to verify the bank account we’ll be paying your loan funds into.
How do you check my bank statements?
We use a secure third-party service to view a read-only copy of your recent bank statements. Read-only means exactly that. We have no access to the account, we can see the transactions on the account that have been sent to us electronically.
Using this secure third-party service also saves you finding, downloading and uploading bank statements yourself, which often delays the loan approval process.
What about my privacy?
We take your privacy seriously. We collect your information to assess your application and handle it in line with our Privacy Policy.
What happens after I submit an application?
Your application goes to assessment. We look at your income, your expenses, your credit file and your recent banking history and decide whether the loan or the requested loan amount is suitable for you.
Not every application can be approved. That's what the assessment is for — if the repayments wouldn't sit comfortably alongside your existing commitments, approving the loan wouldn't be doing you any favours. You'll hear from us either way.
What is the application process like for an online personal loan?
Can I apply over the phone, or get help filling it in?
We do require all applications to be filled in online.
However, should you have any issues or get stuck at any point, you can call our support team on 1300 661 991 and they'll talk you through it.
How do I know Safe Financial is a genuine lender?
We're an Australian credit provider and we've been lending here for more than 20 years. Our loans are regulated under the National Consumer Credit Protection Act 2009, and we hold an Australian Credit License 391958.
Apply online in minutes - it’s super easy to apply. Select your loan amount, complete the online application, and hit submit!
Fast approvals - you’ll get a decision, usually within a few business hours. Plus same day funding is available.
Friendly customer service - our customers love us! They rate us ‘Excellent’ on Trustpilot.
Responsible lending - we will only lend you money if you can comfortably afford the repayments and the loan suits your requirements and objectives.
Repay early and save - if you wish to repay your Safe Financial loan early, there are no early payout fees, so you’ll save money!
WIN $1,000 - when you take out a small loan, a car loan or a business loan, you’ll be in with a chance to WIN back $1,000! Winners are grinners – check out our winners.
100% Australian-owned and operated - we're a trusted credit provider with over 20 years of experience helping Aussies get the things they want, when they need them!
