Personalised Credit

Go on to a easier option to get credit. Get an estimate online or use our banking app to try to get that loan as high as R250 000. You’ll get a personalised offer based your affordability, and you may choose from the total amount you need, the best month-to-month instalment or perhaps the interest rate that is lowest, beginning at 12.9%.


Whether you must do home improvements, pay for your kids’ training to secure their future or purchase a trusted vehicle to obtain your household there properly – living better begins when you are getting credit for the right reasons.

A personalised loan implies that you obtain the offer that is best centered on your profile along with your need, with reduced costs as well as the perfect interest rate. Understand that the expression will influence your instalments, so make sure you can repay the monthly instalments within the term that is whole.

  • Get fully up to R250 000 over 1 – 84 months
  • Select from the total amount you would like, the month-to-month installment that meets your pocket, or the choice that provides you the cheapest rate of interest
  • Credit is authorized in moments plus the cash is available instantly
  • Pay fixed monthly repayments
  • Get interest levels from 12.9percent
  • Combine all of your current loans for easier month-to-month repayments
  • Add affordable credit insurance coverage, including retrenchment and death cover
  • Handle your credit utilizing our software

Approaches to apply

  • Online
  • On our application
  • Check out your nearest branch
  • Give us a call on 0860 66 77 89

Your offer is founded on your affordability and credit profile

  • Your banking and credit history
  • Your revenue and costs to observe how much you really can afford
  • How stable your way to obtain earnings is, to help make the most readily useful offer
  • You select the credit quantity that you would like
  • You decide on the month-to-month installment that matches your money flow or the option that offers you the interest rate that is best

Credit insurance coverage

Credit insurance is necessary for credit regards to 7 months or longer to pay for death, permanent or short-term impairment, jobless, the shortcoming to make earnings or retrenchment.

Get a credit that is online to observe how much credit you be eligible for or get more information on our credit insurance coverage and claims procedure.

Papers you want when using

  • Original recognition document (needs to be 18 years or older). In the event your name and/or surname varies from your own recognition document, a marriage certification, breakup court purchase or name change letter is going to be required.
  • Latest wage slip
  • Any bank that is original showing your latest 3 consecutive wage deposits into a free account in your title (an over-the-counter bank declaration must certanly be stamped)

Credit for business people

To try to get a continuing company loan, your online business needs to be registered among the after:

  • Association perhaps maybe not for gain
  • Close Corporation (CC)
  • Incorporated (Inc)
  • Public (Ltd) or company that is privatePty Ltd)
  • Trust
  • Read more about our credit solution for companies here

Note: We cannot give credit to informally self-employed people, including freelancers and single traders.

Install our free beneficial to Credit booklet for tips about how to manage credit.

You can get a FEE-HELP loan to pay all or part of your tuition fees when you attend university or an approved higher education provider.

A FEE-HELP loan does maybe not protect costs like accommodation, laptop computers or text publications.


Your provider shall evaluate your eligibility for the HELP loan from the criteria below. For those who have any concerns, please contact your provider.

To have a loan that is fee-help you need to:

  • Be an Australian citizen and study at part that is least of the program in Australia.
  • Be a unique Zealand Special Category visa (SCV) holder or permanent visa that is humanitarian and meet with the residency needs.
  • Be signed up for a fee-paying destination at a provider that gives FEE-HELP loans.
  • Be signed up for a course that is eligible your provider by the census date (your provider can let you know should your program is eligible).
  • Submit the Request for FEE-HELP kind to your provider by the census date.
  • N’t have currently borrowed as much as your HELP loan restriction.

— if you’re studying at a non-university, you’ll also need to meet up with the ‘pass price’ needs.

Just how much may I borrow?

You can easily borrow as much as the combined HELP restriction to pay for your tuition costs. This consists of all FEE-HELP, VET FEE-HELP and Vet figuratively speaking and any HECS-HELP loans incurred from 1 January 2020.

When you go with your HELP loan limitation, the total amount of ASSISTANCE you have remaining to borrow is called your available ‘HELP stability’.

For 2020, the assistance loan limitation is $106,319. In the event that you intend to study medication, dentistry or veterinary technology causing initial enrollment, or eligible aviation courses the assistance loan restriction is $152,700.

Your HELP stability is renewable. Any compulsory or voluntary repayments beginning the 2019-20 earnings year will top up a person’s HELP stability. These repayments is going to be put on a man or woman’s HELP balance from 1 July 2020 onwards. Repayments is re-borrowed in the future, up to the present HELP loan limitation.

It is possible to always check you HELP stability on myHELPbalance

To test balance you must know your Commonwealth advanced schooling pupil help number (CHESSN). A CHESSN is just an unique distinguishing quantity. It is necessary which you just get one CHESSN.

For home elevators the brand new combined HELP loan limit, please see 2020 loan limit changes from the scholarly study Assist web site.

Exactly what are the non-university pass price demands?

The 50% pass rate will apply if you began your current enrolment with a non-university higher education provider on or after 1 January 2018 and apply for FEE-HELP.

This means once you’ve undertaken 4 or higher devices in a sub-bachelor degree program, or 8 or higher units in bachelor and above degree courses, you really must have passed at the very least 50percent of the total attempted devices so that you can remain entitled to FEE-HELP. For instance, if you are signed up for a diploma program plus in Trimester 1 you undertake 4 units and fail 3, you won’t be eligible to access FEE-HELP in Trimester 2. You could have necessary to pass at the very least 2 devices.

Then if in Trimester 2, having taken care of your devices upfront you undertook another 4 devices (8 devices in total), you would have to pass 3 of those to be able to re-establish your FEE-HELP eligibility in Trimester 3 (in other terms. 8 devices attempted and 4 passed).

What you ought to make sure is the fact that you pass at the least 50percent of the total units that are attempted your span of research. Otherwise you will need certainly to spend the tuition costs upfront unless you boost your pass rate.

Note: OUA has its pass that is own rate set up, in which a pupil must undertake 8 or higher devices for the pass price to put on.

Loan charge

You will have to pay a 25% loan fee* if you get a FEE-HELP loan to pay for your undergraduate course,

The mortgage charge does NOT connect with you if:

  • You learn at Bond University, the University of Notre Dame Australia, Torrens University or perhaps the University of Divinity along with your device of research has a census date after 1 January 2019,
  • Your program is postgraduate research (including greater levels by research) or is a enabling program,
  • You might be signed up for devices of research through Open Universities Australia, or
  • You will get a loan installment loans maine that is fee-help purchase approved bridging studies.

*The loan charge will not count to your FEE-HELP limitation.


To have A fee-help loan, you’ll need a taxation file number (TFN) and a obtain FEE-HELP help kind, which your provider provides you with.

Your kind should be filled in and presented to your provider ahead of the census date (or administrative date).