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Important Information

Learn about our obligations, systems, and processes, to help you to make an informed decision about using our services

Your Privacy

Your privacy is important to us. Find out what information we collect about you and how we protect, use, and share that information.

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Verifying Your Income & Expenses

Verifying your income and expenses is required to ensure you can comfortably afford your loan repayments. Learn more about the service we use to gather this information.

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Disclosure Statement

Explore what type of advice we can give, the duties we have when providing that advice, and what you can do if you are not satisfied with any aspect of our service.

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Payment Waiver

Payment Waiver is optional protection, and may waive your loan repayments if you’re struck by an unexpected life event that’s covered by your policy.

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Application Terms & Conditions

We help our customers access a range of loan and insurance products, and our services are provided under these Application Terms & Conditions.

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Website Terms of Use

We do our best to keep this website running smoothly and have taken all reasonable care to ensure this website's information is accurate.

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  • Important Information
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  • Verifying Your Income
  • Disclosure Statement

¹If you sign your loan contracts before 3:00 pm on a weekday, you will receive the funds on the same day. While bank processing times differ, funds usually show up in your account by early evening.

²Annual Interest Rate (AIR) and Annual Percentage Rate (APR): Unsecured interest rates range from 13.90% p.a. to 23.90% p.a.

³Minimum and Maximum Repayment Terms: Repayment terms range from 1 year to 5 years.

⁴Fees: Where Lending People is the creditor, we charge a $174 establishment fee. Lending People does not charge a monthly fee or early repayment fee. Where another provider is the creditor, provider-specific establishment fees, monthly fees, and early repayment fees may apply.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions. All approvals are subject to credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided. Fees, terms, and conditions apply.

Representative Example of the Total Cost of a Loan: If you borrow $10,000 over a repayment term of 36 months at an AIR of 14.95% p.a., your total repayments will be $12,631.60 (made up of $10,000 principal, a $174 establishment fee, and interest charges of $2,457.60). This example is based on amortised scheduled weekly repayments with a fixed interest rate for the term of the loan.

© The Lending People Limited Trading as Lending People (FSP240365) holds a license issued by the Financial Markets Authority (FMA) to provide financial advice services. Click here to view our Disclosure Statement.