After your application is received, it will be sent to our credit team who will either approve, conditionally approve or decline your application. If declined, unfortunately we are unable to offer you a personal loan at this time. If your personal loan application is conditionally approved, you will need to send us some additional information to enable us to settle the loan and provide you with the funds. This additional information may include your most recent payslip, your last year's PAYG summary, the front and back of the ID you have used in your application, and the front page of your bank statement, although each conditional loan offer and the documents we need will be specific to each applicant. We may request more information depending on your financial situation.