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Free guides

Read this before you apply.

Each guide is a short checklist for one situation. They take about three minutes to read and are useful whether or not you ever talk to us.

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General information only. Australian Credit Licence 509582.

Anyone about to applyBefore you apply anywhere: 6 checks that protect your credit fileEvery formal application can leave an enquiry on your file. These six checks stop that happening for nothing.Read the guide
Nurses and shift workersWhat lenders look at before approving a nurse's car loanPenalty rates can be a big part of what you earn. Here is how to make sure a lender sees them.Read the guide
Self-employed and ABN holdersSelf-employed? The documents lenders ask for firstNo payslips does not mean no loan. It means a different set of papers, and knowing which ones saves weeks.Read the guide
People with a default or past credit issuesCar finance after a default: what changes a lender's answerA default is not the end of the conversation. These are the things specialist lenders tend to weigh most.Read the guide
Pensioners and DVA recipientsCar finance on the pension: 5 things to know firstPension and DVA income can be assessed like any other income by some lenders. Here is what they check.Read the guide