Because we’re committed
to responsible lending.
We need to know our customers properly before we can help them. That means there are a few things we’ll need from you and being prepared before you apply makes the whole process faster and simpler.
Below is exactly what we need. We’ve kept it as straightforward as possible, and there’s a handy shortcut at the end that could save you a trip to the bank entirely.
1. Proof of who you are
We need to verify your identity. This is a non-negotiable requirement under our responsible lending obligations but it’s usually quick and easy to satisfy.
You can use either of the following:
- A valid passport
This is the simplest option — one document and you’re done.
- A valid driver licence plus one piece of secondary ID
Your secondary ID can be any of the following:- Credit card or Eftpos card
- Gold Card or bank statement
2 Proof of where you live
We need to confirm your current address. Please provide one of the following documents showing your full name and current address:
- A bank statement (stamped as certified by the bank, or downloaded via our secure link)
- A recent utility bill (power, water, gas)
- A copy of your current tenancy agreement
- A rates bill
Shortcut: If you provide three months of certified bank statements (required for proof of affordability below), those same statements also satisfy your proof of address — so you only need your primary photo ID on top of that. One less thing to sort.
3 Proof of affordability
Before we lend, we need to make sure the loan is genuinely affordable for you. That’s not just a box-ticking exercise it’s how we make sure we’re actually helping you, not putting you in a difficult position.
We’ll need your last three months of bank statements, showing your full name. These need to be either:
- Stamped as certified by your bank, or
- Downloaded via our secure online link (we can do this together if you come into our Avondale office and have internet banking set up)
No time to queue at the bank? Our online application can download your bank statements automatically – with your permission, via a secure link. It’s fast, safe and means you don’t need to visit the bank at all.
If you prefer to do it in person, come into our Avondale office and we’ll help you download them there and then.
Your bank statements tell us about your regular income and outgoings which helps us find a repayment amount that genuinely works for your budget, not just one that looks okay on paper.
4 Security (if applicable)
If you have assets in your name, we may be able to use these as security for your loan. This can sometimes make it easier to access lending or improve the terms available to you.
Assets we can use as security include:
- A registered and warranted vehicle in your name
- A property in your name
- Household goods (excluding essential whiteware such as fridges and ovens)
If you’re offering a vehicle or property as security, we’ll need a couple of additional documents:
- For a vehicle: a copy of the Vehicle Offer & Sale Agreement
- For a property: a copy of your most recent mortgage statement, so we can see the outstanding balance
5 Your credit history – we don’t judge
We know that life happens. Job loss, family emergencies, unexpected bills – sometimes things go wrong financially and it takes time to recover. We don’t believe that a difficult period in your past should automatically close the door on getting help now.
At Pacific Finance, we look at your record of paying back previous loans including the context around it. If you had a problem in the past and you’ve paid off a bad debt, or you’re still working through one, our team may still be able to approve a loan for you.
We assess every application individually, with real people making real judgement calls not an automated system that spits out a yes or no based on a number.
If you’re worried about your credit history, the best thing you can do is call us before you apply. We’ll have an honest conversation about your situation and tell you where you stand – no pressure, no obligation.
Quick checklist
what to have ready
Here’s a summary of everything you may need:
Primary photo ID
valid passport, or driver licence plus secondary ID
Proof of address
Bank statement, utility bill, tenancy agreement or rates bill
Last 3 months bank statements
Certified or downloaded via secure link
If offering security
Vehicle Offer & Sale Agreement or mortgage statement
Remember: your 3 months of bank statements cover both proof of address AND proof of affordability — so if you have those plus your primary photo ID, you’ve covered the three main requirements in one go.
Not sure if you have everything?
Don’t let uncertainty about documents slow you down. If you’re not sure whether what you have will work, just call us and our team will tell you exactly what you need for your specific situation before you apply.
A quick 5 minute call is often all it takes to get clarity and move forward with confidence.
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.
