So what happens next?

Once we’ve received your application, we’ll assess all the information you’ve provided, and let you know the outcome within two business days – usually sooner. But first, check your email.

Watch our video below to learn about the application process and the next steps.


What happens next? – Learn more about the application process and next steps.


If you’ve applied online, check your email inbox or your secure messages for a confirmation email to inform we’ve received your application. We’ll then start assessing your application, and call you if we need to check any details. Otherwise, you’ll receive an email from us within two business days about your application outcome.


We'll send you an email and SMS to let you know if your loan has been conditionally approved - this means it's been approved subject to verifying the information in your application is correct. We’ll also inform your conditionally approved interest rate and repayment amount.


At this stage we’ll be checking things like payslips or employment to confirm your application details. We’ll contact you to let you know what documents you need to provide. As long as the information you've provided in your application is accurate, your loan will be approved. Find out more about the types of verification documents you may need to provide.

You can upload your documents in My applications in Internet Banking - learn how in our My applications video.

In the meantime, you can set up your direct debit loan repayments in Internet Banking to ensure you don’t miss any of your repayments – learn how in our Direct Debit Repayments video.

Once your loan is approved, we’ll go ahead and prepare your loan documents


Your loan documents usually take one business day to prepare after we've approved your loan. You can easily review and sign your loan documents online in My applications via Internet Banking.

If you’re a new customer, you'll need to visit a branch to confirm your identify to satisfy an AUSTRAC 100-point check. You can do this at any of one of the application stages.

Once these steps are complete, your funds will be deposited into your NAB account or provided to you as bank cheque(s).

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