Support for important plans.

Personal credit may help eligible customers manage a defined expense, major purchase or financial priority.

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A responsible lending process

Understand the purpose, cost and repayment commitment.

All credit is subject to application, affordability assessment, eligibility and approval.

Start with the amount needed, the reason for borrowing and the preferred repayment horizon.

Consider income, essential expenses, existing commitments and the effect of repayments.

Review rate, fees, term, repayment amount and total amount payable.

Choose a structure that remains affordable if circumstances change.

Clear information

✓How the interest rate is determined

✓Which fees and charges apply

✓The repayment amount and due date

✓Whether early settlement conditions apply

✓What support is available if circumstances change