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.

  • Login to Internet Banking

Need funds the same day?

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

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.


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 will help us process your application)
  • What you earn (before and after tax, and how often)
  • expense details (e.g. 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 an Internet Banking secure message) 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.

Ways to apply

Call 13 13 12

Mon-Fri: 8am to 8pm

Weekends: 9am to 11pm


Apply online

It's easy, secure and takes around 20 minutes

Visit a branch

Find your nearest NAB branch

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