When you will receive your funds
If you accept your loan by 3pm, we’ll send your funds the same day.
If you are with a major bank, you should receive the funds in your account on the same day. Otherwise you’ll likely receive the funds the following day.
Allow an extra day for processing if you bank with a smaller bank or credit union.
To accept your loan offer all you’ll have to do is login, read and understand your loan agreement, and accept your offer online.
You’ll also get a copy of your loan agreement via email to make it easier for you to read, and give you time to understand your agreement before you accept it.
You have 14 days to accept
Once you receive your loan agreement, you will have 14 days to accept it. If you do not accept within this timeframe, your offer will expire and you will need to reapply.
If you don’t go ahead we won’t charge you anything, though we can’t guarantee you’ll be able to access the same deal again.
After you accept your loan agreement, it will not be possible to cancel and you will be bound by your loan agreement.
So, you should only sign your loan agreement if you intend to take out your loan.
If your loan is different to what you asked for
As a responsible lender, we won’t let you take out a loan that we think could result in you struggling to make repayments.
But rather than declining your loan, we may offer you a lower amount. It’s completely up to you as to whether you want to take up an offer for a lower amount, but we’d rather give you an option that might still help you out.
For the same reasons above, we may give you an offer with a longer loan term than you asked for. Extending the loan term will also help lower your monthly repayments.