Employment
13 articlesHow lenders verify income across PAYG, casual, and self-employed.
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Personal Loans for Visa Holders in Australia — Which Visas Actually Work
Visa status isn't just a formality on a personal loan application — it's often the first gate, before a lender even looks at your income. Here's how different visa categories are actually treated.
Employment
Personal Loans for Pensioners in Australia — What Actually Works
A standard personal loan is genuinely difficult on the Age Pension or DSP alone — but there are pension-specific options most comparison sites never mention. Here's what actually works.
Employment
Low Doc Personal Loan Australia: What You Can Actually Get Without Two Years of Tax Returns
Low doc personal loans let self-employed borrowers use BAS, an accountant's letter or bank statements instead of two years of tax returns — at a price. Here's how they actually work.
Employment
Personal Loan for Students in Australia: How You're Actually Assessed
There's no 'student' rule in personal loan lending — you're assessed on your actual income and employment, the same as anyone else. Here's how that plays out.
Employment
Personal Loan on Probation Period Australia: What Actually Matters
Being on probation doesn't itself block a personal loan application — what actually matters is your employment type and how long you've been in the role. Here's how lenders really look at it.
Employment
Personal Loans for Low Income Earners in Australia: What Actually Gets Tested
There's no universal minimum income for a personal loan in Australia — lenders test what's left over after essential living costs and existing debts. Here's how that residual income test actually works, with a worked example.
Employment
Personal Loan Part-Time Employment Australia — The 6-Month Threshold
Permanent part-time employees are assessed differently from casuals — the strong likelihood threshold is 6 months, not 12. Here's exactly how it works.
Employment
Can I Get a Personal Loan While on Centrelink in Australia?
Government payments alone don't meet standard personal loan employment criteria. Here's exactly why, and what genuinely worth considering instead.
Employment
I Just Changed Jobs — Does That Affect My Personal Loan Application?
A new job resets the clock on employment duration, even if it's the same role type and better pay. Here's what lenders actually count, and what they don't.
Employment
Can I Get a Personal Loan If I'm Unemployed in Australia?
No standard personal loan lender will approve an application from someone who is unemployed.
Employment
Self Employed Personal Loan Less Than 2 Years: What Lenders Actually Decide
If you're self-employed and under two years into running your business, your personal loan outcome depends almost entirely on how long your ABN has been active — not how much you earn. Here are the ex
Employment
Personal Loan Casual Employee Australia: Exact Thresholds and Outcomes
If you are a casual employee applying for a personal loan in Australia, your outcome depends on how long you have been in the role — not just how much you earn. Under 4 months: Unlikely — needs impr
Employment
Personal Loan Self Employed Australia: Exact Thresholds and Outcomes
If you're self-employed and applying for a personal loan in Australia, your outcome is determined primarily by how long your ABN has been active — not by how much you earn. Under 6 months: Unlikely
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This is general information only and not financial advice. Results are indicative and may vary by lender.