What you need

We Need To Know About You

Because of our commitment to responsible lending we need to ensure we know our customers.  That means we need:

Proof of who you are:

There are lots of options but most customers find it easy to prove who they are by providing us with their:

  • Valid Passport or
  • Valid Drivers License plus secondary ID (such as Credit Card / Eftpos Card, Gold Card or Bank Statement).

Proof of where you live:

Please provide us with one of the following items showing your full name and current address:

  • Bank Statement (stamped as certified by the Bank or downloaded via our secure link) or
  • Copy of a recent bill or
  • Copy of your Tenancy Agreement or
  • Copy of a Rates bill.

Proof of affordability:

Please provide us with your last 3 months Bank Statements (stamped as certified by the Bank or downloaded via our secure link) showing your full name.

If you provide us with your last 3 months Bank Statements you’re ticking both the "Proof of where you live" and "Proof of affordability" requirements so we would just need your primary photo ID in addition to your Bank Statements.

Long queues at the bank and only a short lunch break?  Our Online Loan Application can download your Bank Statements automatically – with your permission via a secure link of course!  Otherwise, if you prefer to come into our office, and you have access to internet banking, we can download your Bank Statements at our office.

Security

We don’t offer unsecured lending but if you have a registered and warranted vehicle or property that is in your name, or household goods (not essential whiteware, like fridges and ovens), we can use this as security for your loan.  If it’s:

  • A new vehicle, we’ll need a copy of the Vehicle Offer & Sale Agreement
  • A property, we’ll need a copy of your Mortgage Statement to tell us how much is outstanding
  • Household goods, depending on the size of the loan we may need to send our agent to inspect the goods. 

Credit rating

We know that sometimes life happens, we don’t judge.  At Pacific Finance we look at your record of paying back previous loans.  If you had a problem in the past and paid off a bad debt, or you still are, our friendly team may still be able to approve a loan for you.