Frequently Asked Questions
Confused? Don’t worry, that’s what we’re here for.
I want to ask a few questions before I apply for finance
Simply call 1300 884 355 between the hours of 9AM – 6PM Monday – Friday, and one of our friendly Personal Finance Consultants will happily answer any queries you may have.
How much can I borrow?
MacCredit offers personal loans between $4,000 and $60,000. The amount that you will be able to borrow will depend on your specific set of financial circumstances.
Documentation that you will need to provide are those that will enable you to prove your identity, income and expenses. These can include, but are not limited to:
- Recent payslips
- Australian Driver’s Licence
- Australian Passport
- Medicare Card
- 90 days of bank statements
- Loan statements
- If you are self employed, your last two year’s financials and tax returns
How long does it take MacCredit to facilitate an approval?
Once you have submitted your online application, and we have received the required supporting documentation, you can expect to receive a response within 24-48 hours.
What interest rate can you offer me?
Every applicant’s interest rate is determined by each individual lender based on their unique lending criteria. For this reason, we are unable to provide you with a rate upfront.
If you qualify for a personal loan, you can trust that our Personal Finance Consultants will utilise their expertise to source you the most suitable personal loan for your unique set of financial circumstances.
To find out if you qualify to complete an application, get started.
Am I eligible for a loan?
In order to apply via MacCredit, you must be:
- Over 18 years old
- An Australian citizen or permanent resident
- Employed or self-employed and earn over $25,000 p.a.
- In possession of a current Drivers Licence, Passport or Medicare Card
- NOT be a current or prior bankruptee or be party to a court judgement
When will you contact me?
As we have a small team of three personal finance consultants, you will be contacted within three hours of your application submission.
Please note that if you submit an application overnight or on the weekend, you will not receive a call until the following business day. Our business hours are 9AM – 6PM Monday – Friday, excluding public holidays.
Can’t see your question?
Give us a call at
and one of our personal finance consultants will happily assist.