When assessing a loan application we look for evidence of how suitable the loan is to your current circumstances and the purpose for which you require funds. Among other things we will assess your employment stability, income, expenses, repayment history, credit bureau information, and other details you communicate to us.

To see if you may qualify for a RateSetter loan, you can request a RateEstimate - it only takes 1 minute, and won't affect your credit score. If you request a RateEstimate, we will ask you a few questions so we can make an initial assessment of your borrowing potential, and the rates, fees and charges that may apply to your loan.