Register | Recover Password

Personalised Credit

Personalised Credit

Go on to a less complicated solution to get credit. Get an estimate online or utilize our banking application to utilize for 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 would like, the best month-to-month instalment or the lowest rate of interest, beginning at 12.9per cent.


Whether you must do house improvements, pay for the kid’s training to secure their future or purchase a dependable automobile to obtain your household there properly – living better starts when you obtain credit when it comes to right reasons.

A personalised loan ensures that you receive the most useful offer according to your profile as well as your need, with lower charges as well as the perfect rate of interest. Understand that the word will impact your instalments, therefore make sure that you can actually repay the month-to-month instalments on the term that is whole.

  • Get right up to R250 000 over 1 – 84 months
  • Select from the total amount you prefer, the month-to-month installment that meets your pocket, or even the choice that offers you the interest rate that is lowest
  • Credit is authorized in mins additionally the cash is available instantly
  • Pay fixed month-to-month repayments
  • Get interest levels from 12.9percent
  • Consolidate all of your current loans for easier month-to-month repayments
  • Include credit that is affordable, including retrenchment and death address
  • Handle your credit making use of our application

Techniques to apply

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

Your offer is dependant on your affordability and credit profile

  • Your credit and banking history
  • Your earnings and costs to observe how much you are able to pay for
  • How stable your way to obtain earnings is, to help make the offer that is best
  • You decide on the credit amount you want
  • You select the month-to-month installment that meets your money flow or the choice that offers you the interest rate that is best

Credit insurance coverage

Credit insurance is needed for credit regards to 7 months or longer to pay for death, permanent or disability that is temporary jobless, the shortcoming to make an income or retrenchment.

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

Papers you will need whenever using

  • Initial identification document (should be 18 years or older). A marriage certificate, divorce court order or name change letter will be required if your name and/or surname differs from your identification document.
  • Latest wage slip
  • Any bank that is original showing your latest 3 consecutive income deposits into a free account in your name (an over-the-counter bank statement must certanly be stamped)

Credit for companies

To try to get a continuing company loan, your company must certanly be registered among the after:

  • Association maybe not for gain
  • Close Corporation (CC)
  • Incorporated (Inc)
  • Public (Ltd) or company that is privatePty Ltd)
  • Trust
  • Find out more about our credit solution for organizations right here

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

Install our free advantageous to Credit booklet for easy methods to manage credit.

Once you attend college or an authorized advanced schooling provider, you may get a FEE-HELP loan to pay for all or element of your tuition costs.

A loan that is FEE-HELP perhaps not protect expenses like accommodation, laptop computers or text publications.


Your provider shall evaluate your eligibility for the HELP loan up against the criteria below. When you have any concerns, please contact your provider.

To have A fee-help loan, you have to:

  • Be an Australian resident and research at the least component of one’s course in Australia.
  • Be a fresh Zealand Special Category visa (SCV) holder or permanent visa that is humanitarian and meet with the residency requirements.
  • Be signed up for a fee-paying destination at a provider that provides FEE-HELP loans.
  • Be signed up for a course that is eligible your provider by the census date (your provider can inform you if the course is qualified).
  • Submit the request FEE-HELP type to your provider by the census date.
  • N’t have already lent as much as your HELP loan limitation.

– you will also need to meet the ‘pass rate’ requirements if you are studying at a non-university.

Just how much could I borrow?

It is possible to borrow as much as the combined HELP restriction to pay for your tuition costs. This can include all FEE-HELP, VET FEE-HELP and Vet student education loans and any HECS-HELP loans incurred from 1 January 2020.

As soon as you go with your HELP loan limit, the total amount of HELP you have remaining to borrow is called your available ‘HELP balance’.

For 2020, the assistance loan limit is $106,319. The HELP loan limit is $152,700 if you plan to study medicine, dentistry or veterinary science leading to initial registration, or eligible aviation courses.

Your HELP balance is renewable. Any compulsory or voluntary repayments beginning with the 2019-20 income 12 months will top a person up’s HELP stability. These repayments will likely be placed on a person’s HELP stability from 1 July 2020 onwards. Repayments could be re-borrowed in the future, as much as the present HELP loan limitation.

You are able to be checked by you HELP balance on myHELPbalance

To check on balance you must know your Commonwealth degree student help number (CHESSN). A CHESSN is an identifying number that is unique. It is necessary which you just get one CHESSN.

For information about the brand new combined HELP loan limit, please see 2020 loan limit changes from the research Assist internet site.

Exactly what are the pass that is non-university 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 devices in bachelor and above degree courses, you must have passed away at the very easy online installment loans in louisiana least 50% of the total attempted units to be able to stay entitled to FEE-HELP. For instance, if you should be signed up for a diploma program as well as in Trimester 1 you undertake 4 units and fail 3, you simply will not be eligible to access FEE-HELP in Trimester 2. You will have needed seriously to pass at the very least 2 units.

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

What you ought to guarantee is the fact that you pass at the very least 50percent of one’s total attempted units across your span of research. Otherwise you will need to pay the tuition charges upfront unless you enhance your pass price.

Note: OUA has its very own pass that is own rate in position, the place where a pupil must undertake 8 or even more units for the pass price to utilize.

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 loan cost 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 unit of research features a census date after 1 2019 january,
  • Your program is postgraduate research (including higher levels by research) or perhaps is a course that is enabling
  • You may be signed up for devices of research through Open Universities Australia, or
  • You are receiving a loan that is fee-help purchase authorized bridging studies.

*The loan cost will not count towards your FEE-HELP restriction.


To obtain A fee-help loan, you’ll need an income tax file number (TFN) and an ask for FEE-HELP support kind, which your provider provides you with.

Your type needs to be filled in and presented to your provider prior to the census date (or administrative date).