Eligibility Requirements
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Must be at least 18 years old
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Australian citizen, permanent resident, or eligible visa holder
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Proof of income and ability to make repayments
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Additional asset documentation required for secured loans
Bendigo Bank Personal Loan Application Steps
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Choose your loan: Select from Secured, Unsecured, Green, or Student loans.
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Apply online or in branch: Quick process with a response within 48 hours.
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Provide documents: Income, ID, and asset details if secured.
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Review offer: Bendigo Bank will send you your personalised terms.
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Accept & receive funds: Finalise your loan and get access to your money.
Frequently Asked Questions
How long does it take to get approved for a Bendigo Bank Personal Loan?
You’ll typically receive a response within 48 hours of applying.
Is it required to explain why credit is being used?
Yes, Bendigo requires a loan purpose, whether it’s for a car, holiday, or eco-friendly purchase.
Do I need a good credit score to be approved?
Yes. A stronger credit profile improves your chances of approval and securing lower rates.
Can I apply for a loan if I am self-employed?
Yes, but you’ll need to provide additional financial documents, such as tax returns or bank statements.