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Personal Loan Checklist


Know what you need to provide when applying for a personal loan. Newcastle Permanent has a detailed personal loan checklist online. Find out more today!

Typically these are the items you will need to supply when applying for a personal loan, so before you apply ensure you have them readily available. 

Proof of income

  • You’ll need to show us your two most recent payslips, or if you’re self-employed, we’ll need your full individual tax returns and accountant-prepared financial statements for the last two years
  • If you receive an Aged, Disability, or Veterans Affairs Pension, you’ll need to supply us with a statement of income from Centrelink no more than 6 weeks old. 

Personal identification

You'll need to show one of the following forms of photo ID as either originals or verified copies:

  • Passport
  • Australian driver’s licence
  • Photo card.

Secondary identification options

If you don’t have any of the photo ID options above, we’ll need to see two of the following (as original documents or verified copies):

  • Birth certificate
  • Citizenship certificate
  • Pension card or health care card
  • Rates or utility bills or ATO assessment notice or other current NSW photo licence (only one of these may be used) must be issued within the preceding 3 months).

Items needed for a secured car loan

For a secured car loan you'll also need to provide:

  • Evidence of 12-month comprehensive car insurance
  • A copy of the current registration papers
  • A tax invoice for the car you’re buying, that includes: car registration number, vehicle ID number (VIN) or chassis number, engine number, purchase price.

Further supporting documentation may be required on request.

This article is intended to provide general information of an educational nature only. It does not have regard to your objectives, financial situation or needs and must not be relied upon as financial product advice. Before you act on this information, you should consider whether it is appropriate for your circumstances. Information in this article is current as at the date of publication. Applications subject to credit approval and fees and charges are payable. Terms and conditions apply and are available on request.

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