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Applying for a NAB Personal Loan online is easy and takes around 10 -15 minutes to complete

You can apply if:

  • You are over 18 years of age.
  • You are a permanent Australian resident.
  • You have a regular income.
  • There are no more than two people making this application.
  • You are able to meet the monthly repayments. Try our loan calculator.
  • You are looking to borrow more than $5,000*. If you require a loan under the amount of $5,000, consider a NAB Credit Card.

Information you'll need:

  • Your email address and contact details so we can inform you about your application.
  • Your driver's licence number.
  • Your income and employment details (e.g. employer name, address and phone number).
  • Your expense details (e.g. rent, insurance payments, general living expenses).
  • The value of your home and car, if applicable, and any other assets.
  • The amount owing on any loans, credit cards or store cards you have.
  • Refer to our detailed list of information required.

After you submit your application

  • We will send you an email immediately to confirm we have received your application.
  • We will process your application and advise you of the outcome. We will generally advise you of the outcome of your application by email. In some cases we may phone you or write to you about your application.
  • If your application is conditionally approved, you may need to verify your application details - we will tell you what you need to provide.
  • Once all application details have been verified, we will prepare your loan contract/s, which usually takes 3 to 4 working days.

Getting access to your funds

  • In most cases you will be required to visit your nominated NAB branch to review and sign loan contracts and to access your funds.
  • If you are a new NAB customer, you will need to provide identification to satisfy an AUSTRAC 100-point check.
  • Once the contracts have been signed, your funds are available via bank cheque(s) and/or NAB transaction account (except NAB Personal Project Loan).

For help with your online application please call 13 13 12

* If you are a NAB Home Loan customer unable to use redraw to access small loan amounts, you can borrow from a minimum of $2,000.

Important information
A credit card offers you great flexibility and convenience. But it's important to remember, like any debt, you will have to repay it. If you are unsure as to whether you will be able to manage repayments for a new credit card, then you should not consider taking up a NAB credit card at this point in time.

A personal loan offers flexibility and control.  But it’s important to remember, like any debt, you will have to repay it.  If you are unsure as to whether you will be able to manage repayments for a new personal loan, then you should not consider taking up a personal loan from NAB at this point in time.

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