Your questions answered

Suffice welcomes applications from Australian citizens, permanent residents and holders of eligible visas alike. You'll need to be 18 or older with an Australian residential address, earn a consistent and verifiable income, and hold a responsible credit and repayment history. If you're unsure whether your visa qualifies, call us before you apply. It takes one conversation.

No. Applying is free and carries no obligation. If the numbers don't work for you, you simply don't go ahead. You only commit when you review and accept a loan contract.

Yes. As part of assessing your application we make an enquiry with a credit reporting body. That enquiry is recorded on your credit report and can affect your credit score. How we collect, use and protect credit information is explained in our Credit Reporting Policy.

Start your application online. The first step shows your estimated borrowing power, rate and repayments in about 90 seconds. You'll then complete it with your income, expense and employment details, and upload recent bank statements so we can assess it. Once approved and accepted, funds are typically sent the same day.

Photo identification, plus your recent bank statements so we can verify your income and expenses. Depending on your situation we may ask for supporting documents, and we'll tell you exactly what's needed inside the application.

Common purposes include consolidating existing debts, home improvements, buying a new or used vehicle, and other significant personal expenses. If you're not sure whether we can help with your purpose, call us before you apply.

Talk to us early. Financial hardship assistance is available, and we'll work through your options with you. See our financial hardship page for how to lodge a hardship request and what happens next.