Income and repayment capacity
Providers may review employment or business income, regular obligations and whether repayments appear affordable.
Before you apply
Understand the factors that may affect eligibility.
Eligibility is assessed by the applicable lender or provider. Use this guide to prepare questions; it is not a promise of approval.
Common assessment factors
What providers may review
Exact criteria, limits and acceptable documents differ by product and provider. Confirm the criteria for your specific application.
Credit history
Credit history and existing borrowing may be considered where relevant. Ask what credit checks will be made and how they affect you.
Identity and address
Identity, age, address and other KYC requirements depend on the product and provider.
Loan purpose and amount
The requested amount, intended use and repayment tenure can influence the options available.
Security or collateral
Secured products may require eligible gold, a property or another asset to be assessed. Understand the consequences if repayments are missed.
Documents and verification
Incomplete or inconsistent information can delay a review. Ask for the product-specific document list and use verified submission channels.
Loan-specific guides
Criteria can vary by product.
Read about the type you are considering before sharing an enquiry.
Prepare the right questions before you commit.
Ask who the actual lender is, the total cost of borrowing, the APR or applicable rate, processing charges, prepayment conditions, late fees and what happens if a payment is missed.
Estimate repayments ↗