How our Smart Loan works
Fast application and quick decisions
$500-$8000
Credit limits from $500 up to $8000.
Ongoing access to credit
Ongoing fast access to your available credit, once you’re eligible you can apply to access your available credit via the Member’s Area for a quick decision.
Tailored to suit you
Repayments that match your financial situation, debited to match your pay cycle to make things even easier.
Apply for your fast Smart Loan in 3 easy steps
1
Complete a fast easy online application
- Fill out a simple form that tells us about your income and other financial details.
- Use our automated service to supply us with your bank statements instantly!
- All applications are subject to responsible lending criteria.
2
Watch our clever loan engine work its magic
- Sit back and relax while our clever loan engine checks your credentials.
- Let it work out your credit limit and a maximum repayment amount that suits you.
- Read and review your contract (you'll be amazed at how fast we are!).
3
Get your money nice and quick (woop woop!)
- If approved your money will be in your account within minutes of contract acceptance, 24 hours a day if your bank supports OSKO payments. You can check if your bank is supported by visiting www.auspayplus.com.au/brands/osko
- If your bank doesn't support OSKO payments, deposit can be made in 1 hour if your contract is accepted before 2:30pm (sydney time) on a business day. Outside of business hours, funds will be deposited the next business day.
