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Take a second to check you're eligible for a personal loan.

You're eligible to apply if

You're at least 18 years old

and have a good credit rating.

You make $20,000 p.a.

to meet the minimum income requirement.

You live in Australia

as a citizen, permanent resident or New Zealand citizen.

You're employed

or earn a regular income.

After completing your enquiry, get these documents ready to help speed up the process once a lender contacts you:

  • Identification documentation

You'll need to identify yourself when you apply for a personal loan. Find details of acceptable documents here.

  • Proof of income

You'll supply your payslips, your most recent personal tax return, or payment summaries.

Other evidence of income or additional documentation may be required.

  • Savings history and deposit details

It's important to demonstrate your ability to meet your regular financial commitments.

Provide copies of your account statements or any other supporting evidence of your savings to support your personal loan application.

  • Existing financial obligations, e.g., loans and bills

Details of your other commitments and loans are necessary for your personal loan approval.

How you managed your last or current loan, together with how much you're currently repaying is important.

Before enquiring, calculate how much you can borrow

Find out how much you may be able to borrow for a personal loan in moments. Enter some simple details and we'll crunch the numbers for you. Figures provided by our calculator are an estimate only and don’t represent a quote or pre-qualification.
Rates are effective as at 9am Friday 06/06/2025 and are subject to change without prior notice.

Applications for credit are subject to Newcastle Permanent's normal credit approval process. Full terms and conditions will be included with any loan offer. T&Cs, fees, charges and credit criteria apply. Loans for commercial purposes are excluded.

*The Comparison Rate for personal loans is calculated on loan amount of $30,000 for a term of 5 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.