Check you meet our eligibility criteria and have the right documents ready before you apply for a new Personal Loan.

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

  • Pre-filled personal details
  • Pre-filled NAB financial details

Begin Application

man is holding a checklist

Check you’re eligible to apply online

  • I’m 18 years or older.
  • I’m applying on my own. Joint applicants can apply in person at your nearest branch or by calling 13 13 12.
  • I’m receiving a regular income.
  • I’m:
    • an Australian or New Zealand citizen
    • an Australian Permanent Resident, or
    • a non-resident holding an acceptable Temporary Residency Visa.
  • The following Visa categories are not acceptable:
    • Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable)
    • Working Holiday Visa
    • Student, Exchange/gap year Visa
    • Transit/short stay/seasonal Visa
    • Bridging Visa.
Have these items ready

Have these items ready

  • Your NAB ID which is located on the back of your NAB card, or in your NAB app through My Details.
  • If you’re a new customer and don’t have a NAB ID you can still apply online, but you may be required to visit a branch to verify your identity.
  • Driver’s licence number (if you have one) and personal details.
  • Employment details for the past three years.
  • Your financial information, including income, expenses, assets and debts.

There’s no need to upload any documents in the application form, but we may ask you for them later in the process.

What’s the process?


Step 1. Submit your application
Within 60 seconds of submitting, we'll let you know if you've been conditionally approved. We'll also give you your indicative interest rate and repayment amount.

Feel like you've got everything covered?