How to apply for an iCREDIT Loan

Before You Apply

Eligibility Requirements:

Are you 18 years or older?

Be an Australian or New Zealand citizen?

An Australian Permanent Resident or have an acceptable Temporary Residency Visa?

Information that will be required

ID document (Drivers Licence, Proof of Age Card or Passport)
Income (Payslip, Centrelink Income Statement or Bank Statements)
3 years of employment history
3 years of residence history
Liability Information (personal loans, home loans, credit cards or payday loans)

How To Apply

Call Us

1300 350 118

Apply Online

OUR APPLICATION PROCESS

Submit your enquiry either through our online application, in person or over the phone

We will process your loan application We will keep you updated throughout the loan application via SMS and phone calls. Once your loan application has been conditionally approved, we will contact you to discuss the loan details.

We will provide the loan documents to you either through email or in person. We will check through the loan documents with you and explain the loan details in full.

Once you’ve signed the paperwork, we will submit the documents for settlement. Once settled, we will provide you confirmation of settlement and have the funds transferred.

What Is a Soft Quote?

A soft quote is a simple, no-obligation way to explore your loan options without affecting your credit score.
When you request a soft quote, we assess your financial profile and give you an estimated rate, repayment amount, and loan term based on current lender options.

✔️ No credit file impact
✔️ No commitment required
✔️ Instant comparisons across multiple lenders

It’s ideal if you’re still shopping around or just want to understand what your repayments might look like.

What Is a Full Application?

A full application is the next step once you’re ready to proceed.
This involves submitting your information to the lender for a formal assessment. The lender then completes a credit check, verifies your documents, and provides a confirmed interest rate and loan offer.

✔️ Required for formal approval
✔️ Involves a credit check
✔️ Can lead to same-day approvals (depending on the lender)

What Affects Your Loan Rate?

Lenders consider several key factors when determining your personalised rate and terms. These include:

1. Your Profile

Credit history, employment stability, and income all play a major role in the rate offered. A clean credit file and steady employment can often lead to lower rates.

2. The Asset

The type, age, and condition of the asset (car, caravan, horse float, etc.) can influence risk and therefore the rate. Newer or higher-value assets often attract better rates.

3. Loan Term

Shorter terms generally mean less total interest paid, while longer terms may offer lower weekly repayments but higher total cost.

4. Fees

Every lender has their own structure for establishment, monthly, and exit fees. iCREDIT helps you compare these upfront so there are no surprises.

Why Compare with iCREDIT

At iCREDIT, we make finance simple and transparent. Our team compares a wide range of lenders, explaining your options clearly and helping you choose the best fit — without pressure or hidden costs.

Compare rates and lenders side-by-side
Understand your total loan cost upfront
Avoid unnecessary credit checks until you’re ready

Get Your Soft Quote Today

Take the first step with a soft quote and see what’s possible — all without impacting your credit score.

👉 Start your soft quote today

Loan FAQ's