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Same day funds will be unavailable if your loan purpose is to refinance non –Nab debts or if NAB requires your application to be reviewed by a lending specialist.
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Get your salary paid into the account to establish a transaction history. This won’t guarantee approval on your application but, it will help us understand your financial position better. Set up a regular savings plan Show you can afford to service a loan by saving a set amount regularly (every week or month).
Check how much you can borrow Use our Borrowing Calculator to get an idea of how much you may be able to borrow. Build a good account history with us · Got a NAB account? Open a transaction account and pay your salary into it to start your transaction history.
· Avoid overdrawing your account to show you’re able to manage your finances effectively. This shows us you’re more likely to manage making regular loan repayments too. Understand your credit report Your credit history may affect how much you can borrow as well as your chances of approval.
Activity such as overdue bills, missed credit card payments, arrears or debt collection could be recorded at a credit reporting body.
WARNING: This comparison rate applies only to the example or examples given.It also involves the lender contacting credit reference agencies to get records about you such as whether you made late payments, missed payments altogether, or had any County Court Judgments against you.Your credit details may impact the amount you can borrow, and the exact terms of your loan (e.g. Different amounts and terms will result in different comparison rates.Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Complete applications (including all supporting documentation) must be submitted in store by 2pm Monday – Friday.