We know that applying
for a loan can feel uncertain
Especially if you haven’t done it before, or things haven’t gone smoothly in the past.
At Pacific Finance, we believe the process should feel clear and straightforward from start to finish. No surprises, no confusing language, no wondering what happens next. Just honest, human help from a team that’s been doing this for over 30 years.
Here’s a simple overview of how it works and everything you need to know before you get started.
Three simple ways to apply
There’s no right or wrong way to apply. Some people prefer to start online and follow up with a call. Others like to come in and talk it through face to face. Whatever you’re most comfortable with, our team is ready.
You can reach us however works best for you:
APPLY
ONLINE
Our application takes about 2 minutes and you can do it any time.
CALL OUR
TEAM
Talk to one of our team who will guide you through the process.
VISIT US IN
AVONDALE
Come in and we’ll sit down with you in person and help you.
What happens after you apply
Once we receive your application, our team gets to work reviewing your information. But this isn’t something that happens behind closed doors – we’ll reach out to talk through your situation directly with you.
We might ask a few questions to better understand your circumstances, and we’ll answer any questions you have about the process, the loan or what happens next. We want to make sure we fully understand your situation before we give you an answer.
This step is also where we’ll let you know if there’s anything additional we need from you like a payslip, bank statement or proof of address. We’ll tell you exactly what’s needed and why, so nothing comes as a surprise.
What you’ll need to have ready
Most applications are straightforward and don’t require a lot of paperwork. You’ll generally need some form of identification, proof of address and proof of income but the exact requirements can vary depending on your situation.
Don’t worry if you’re not sure what you have or whether it’s enough our team can talk you through exactly what’s needed before you apply.
Rates, fees and repayments
We believe in being completely upfront about what a loan will cost. Before you agree to anything, we’ll explain your interest rate, any fees that apply and exactly what your repayments will look like – weekly, fortnightly or monthly.
No hidden costs. No surprises buried in the fine print.
