Before you Apply

Are you eligible for a NAB Personal Loan?

To apply for a personal loan, you must:

  • be 18 years or older
  • be an Australian or New Zealand citizen, an Australian Permanent Resident or have an acceptable Temporary Residency Visa1
  • earn a regular income.

Details you’ll need to have ready

  • your NAB ID, if you’re an existing customer
  • driver licence number (if you have one)
  • employment details for the past three years
  • your income before and after tax, and how often you are paid
  • your monthly general living expenses, including rent and insurance
  • what you own, including cars and homes
  • what you owe, including personal loans, home loans, credit cards or ‘buy now, pay later’ loans.




It’s easy, secure and takes around 25 minutes.

Apply online

Call us on 13 13 12

8am-8pm, Mon – Fri, or 9am-6pm on weekends (AEST/AEDT).


In person

You can apply at your nearest branch.

How the online application process works

  1. Submit your application

    It takes about 25 minutes to complete the online application. After submitting, check your email or secure messages in NAB Internet Banking to confirm we’ve received your application.

  2. We’ll assess your application

    We’ll send you an SMS and an email within three to five business days of submitting your application to let you know the outcome. If your application is conditionally approved, we’ll give you your indicative interest rate and repayment amount.

  3. We’ll verify your details

    If your loan has been conditionally approved, we’ll review and verify the information you’ve provided. If needed, we’ll contact you to obtain further information.

    You may be asked to provide some verification documents. You can upload these documents at NAB Internet Banking under My Applications. Find out how to do this and how you can track your application in our My applications video.

  4. Accept your Personal Loan offer

    If approved, we’ll provide you with loan documents which include your final interest rate and repayment amount. You can check these documents and accept your offer through NAB Internet Banking.

    If your loan isn’t approved you’ll be notified by SMS and email.

    If you’re new to NAB, you'll need to visit a branch to confirm your identity with a 100-point ID check. You can do this at any stage of the application.

  5. Receive your money

    We’ll transfer the money into your most frequently used NAB account on the day you accept the offer. If you’re not currently a NAB customer, we’ll contact you to organise the transfer.

Important information

1 The following Visa categories are not acceptable: Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.

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