If you’re an existing NAB customer, save time by using your NAB ID to:

  • pre-fill personal details
  • pre-fill NAB financial details.

If you’re a new customer and don’t have a NAB ID you can still apply online.

Have these items ready

  • Your personal NAB ID (located on the back of your NAB card or in your NAB app through My Details).

  • Driver’s licence number (if you have one).

  • Employment details for the past three years.

  • Your financial information, including income, assets, debts and expenses.

You can upload your supporting financial information documents in the application form. If you can’t upload your documents, the confirmation email we send will outline other ways you can provide the documents.

Eligibility Check if you're eligible to apply online

  • You're 18 years or older

  • You’re applying as a sole applicant. You’ll have all the repayment obligations, even if someone else will be receiving a substantial benefit from the loan

  • You're receiving a regular income

  • You’re an Australian resident for tax purposes

  • You're an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa.

What you can't use a personal loan for

  • Illegal activities

  • Business purposes. Explore our business loans or discuss further with your business banker

  • Lender's Mortgage Insurance (LMI)

  • Home loan deposit

Read important information for visa categories that are not acceptable.

Getting started How to apply for a NAB Personal Loan

Applying online is quick and easy.

  1. Submit your application: Get a decision on conditional approval in under 60 seconds. If conditionally approved, we’ll give you your indicative interest rate and repayment amount.

  2. We’ll verify your information: Depending on your circumstances, we may do other checks and contact you for further information.

  3. Accept your offer: If you’re approved and accept our loan offer through NAB Internet Banking, your money will be ready in one business day.

Ready to apply?

If you've checked you're eligible to apply and have all your information ready, let's get started.

Important Information

Consider the NAB Internet Banking Terms and Conditions which apply when using NAB Internet Banking.

Terms and conditions and fees and charges apply. Approval and loan amount are subject to our credit assessment criteria. Information, including fees are subject to change. See our general terms for personal loanspersonal banking fees and charges and indicator rates for other personal lending.