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Lending Guidelines

Our commitment

At Superloans, we work with you to ensure you never borrow more than you can afford to pay back.

We evaluate your financial situation, working through your transaction history, to best understand what you can definitely expect to payback without overstretching and making your financial situation unsustainable.

We are responsible lenders

For our new customers, your first loan is capped at 20% of your monthly income or a maximum of $2,000. Repayments are capped at 20% of your take home pay. We call four weeks a ‘month’. You can see this in the examples below.

Loan Example
If your weekly income is $400
This means your monthly income is $1,600 ($400 x 4 weeks)
Your loan amount will be 20% of $1,600 which equals $320

Repayment Example
If your weekly income is $400
Repayments would be 20% of $400 which equals $80
This means your maximum weekly repayment is $80

We’ll always evaluate your financial position

With every loan you apply for, we’ll evaluate your financial position to ensure you’re able to manage your money.

We make sure you understand

Our staff will talk you through the agreement for the loan. We'll explain how the fees and interest are calculated and how the repayments will work. We explain what happens if you don't hold up your end of the agreement. If you have any questions, no matter how big or small, we can work them through with you. We'll then make the loan agreement for you to sign.

We understand circumstances can change

We understand that things can change after you walk out the door. It’s important that you talk to us when this happens as early as possible. We have a Hardship process that we can work through with you.