How to apply for a NAB Personal Loan

Applying online is simple and convenient

Our online application form is available 24/7 – so you can apply when it suits you.

New to NAB? Or applying with someone else?

Apply now

Already a customer? It’s easier to apply through internet banking.

Need funds the same day?

  • Apply in-store by 2pm and you could receive your funds same day*
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Ways to apply

You can apply online, in a branch, or over the phone.

Online will take around 20 minutes, and you’ll hear from us within 1-2 business days, usually sooner.

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Things to know before you apply

To be eligible for a personal loan, you’ll need to:

  • be 18 years of age or older, a permanent Australian resident, earn a regular income
  • be able to make the loan repayments - check our loan repayment calculator.

You should also be familiar with our personal loan fees and charges, current interest rates and our Personal Loan Agreement General Terms (PDF, 642KB).

Things to have handy

During your application, we’ll ask you:

  • what rate type, loan term, amount and repayment frequency suits you best, and why - view our guide to comparing personal loans for help
  • your email address and contact details
  • driver's licence number (if you have one – it'll help us process your application)
  • what you earn (before and after tax, and how often)
  • expense details (eg. rent, insurance payments, general living expenses)
  • information about what assets you own (eg. the value of any cars, homes or other assets)
  • information about what you owe (eg. any loans, credit or store cards).

What happens after I apply?

We'll send you an email (or a secure message via internet banking) straight away to confirm we’ve received your application. You’ll hear from us within 1-2 business days, once we’ve taken a look. We’ll send you an email to let you know how it’s going, or we’ll call if we need to check anything.

More about after you apply

Apply now for your personal loan

It's easy, secure and takes around 20 minutes.

Hearing impaired customers with telephone typewriters can contact us on 13 36 77 from 8am-8pm Mon - Fri (AEST/AEDT).

* Complete applications (including all supporting documentation) must be submitted in store by 2pm Monday-Friday. Same day funds may be unavailable if NAB requires your application to be reviewed by a lending specialist.

We're ready to help you

Easy, secure, fast application
Call 13 13 12

Mon-Fri 8am - 8pm (AEST/ADST)
Sat-Sun 9am - 6pm (AEST/ADST)

Talk to an expert