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Bank Statements
  1. Sending us your bank statements is as easy as 1,2,3.!
  2. Totally free service & No cost to you!
  3. Fast & Secure, 256 Bit Encryption used.
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About Banking

SEND US YOUR BANK STATEMENTS

Have we requested bank statements from you? to help speed up the process of your loan application, and secure that formal approval a lot quicker, we have just made that step quick & easy for you, this is the most Secure and Quickest way to get them to us, there is no need for printing and faxing, all that fuss is eliminated with this process, just follow the instructions below.

PLEASE NOTE: THIS SITE IS USING 256 BIT SECURE ENCRYPTION, ONCE YOU HAVE LOGGED IN, THE PAGE IS SPECIFIC TO YOU & CAN ONLY BE VIEWED BY YOU ALONE, IT IS NOT VISIBLE TO ANYONE ELSE, FOR HIGH BANKING SECURITY REASONS.

WHAT TO DO
  1. Select the term that we have requested from one of the boxes below by clicking on it
  2. Follow the instructions on that page once you have clicked on it.

Please call us on 1300 982 279 if you have any questions with this process or if you get stuck, or use live chat on the right hand side of the page for immediate assistance

BANK STATEMENTS

Bank statements have become a compulsory request from lenders in today’s lending environment, even more so if you have had previous bad credit and you are looking at getting a loan to restore your credit.
The most common request is a transaction listing from all bank accounts held in your name for the last 90 days backwards from the day you apply for a loan, in some cases they may request the last 180 days and even as far back as the last 365 days.

For a better understanding why bank statements are required when applying for a loan, please read our FAQ’s below.


REQUEST THE LAST 90 DAYS
Select this to be redirected to the page to send us your last 90 days of Bank Statements

REQUEST STATEMENTS


REQUEST THE LAST 180 DAYS
Select this to be redirected to the page to send us your last 180 days of Bank Statements

REQUEST STATEMENTS


REQUEST THE LAST 365 DAYS
Select this to be redirected to the page to send us your last 365 days of Bank Statements

REQUEST STATEMENTS


REQUEST CENTRELINK STATEMENT
Select this to be redirected to the page to send us your current CentreLink Statement

REQUEST STATEMENTS


FREQUENTLY ASKED QUESTIONS

WHY DO I NEED TO SUPPLY MY BANK STATEMENTS?
If you have had previous bad credit, it is a compulsory requirement from all bad credit lenders that you supply these upfront.
WHY DO THEY NEED TO LOOK AT MY BANK STATEMENTS?
a; The lenders need to look at your statements for a few reasons, one is to see that your income is going in to your bank account, lenders in most cases take the average income going in to you bank statements over a period of 90 days and use the average income as your income when assessing your application for affordability.
b; lenders also look at your current financial position by going over your statements, they look to see that you are not currently struggling financially on your current income, clear evidence of this would be that you are constantly overdrawing your bank account several times a week or month.
c; lenders also look at any and all current commitments that you may have, such as loans, credit cards, direct debt payments of any kind and look to see that they have all been taken in to account when establishing affordability for another loan, they also look to see that you are making your payments to those debts on time and you are not dishonouring any payments.
DO THEY LOOK AT MY SAVINGS HISTORY?
Bad credit lenders don’t look at your savings history in your bank account as part of their decision making, although this would help in assisting to get a loan, they are not like traditional banks where it is important to have a savings history.
DO THEY LOOK AT HOW MUCH MONEY I HAVE IN MY ACCOUNT?
Bad credit lenders don’t look and focus on how much money you have in your account at any given time, this is not taken into consideration when applying for a loan, although it does help if you have a reasonable amount in your account regularly, however they mainly focus on your income and your ability to maintain any existing debts you may have.
WHAT IF I CAN’T SUPPLY MY BANK STATEMENTS?
If you are unable or unwilling to supply your bank statements when requested, your application will not be looked at or even processed, as bank statements are a compulsory requirement from all bad credit lenders.
WHY HAVE I BEEN ASKED TO SUPPLY MY BANK STATEMENTS FOR THE LAST 180 DAYS?
In almost all cases, lenders would only ask for bank statements for the last 180 days if you are self-employed, if you are self-employed you will need to supply bank statements for this term so lenders can see that you have had consistent income over a long period and clear evidence that you are currently trading and earning an income.
WHY DO I NEED TO SUPPLY BANK STATEMENTS FOR THE LAST 365 DAYS?
It is rare that lenders would ask for statements for this period unless they want to look at your history over a 12 month period to help improve your chances to get a loan, this is normally a request for self-employed people.
WHO LOOKS AT MY STATEMENTS FIRST?
As your credit assistance provider, we will go over your statements first to make sure they meet the lenders requirements before submitting your application to the lender, this will reduce negative enquiries on your credit report, if based on our extensive experience we believe that you application will be unsuccessful because of the conduct of your bank statements, we will advise you of this and cease your application there, we will also provide you with general advice on what you need to fix with your bank statements and when you need to come back and reapply for a more successful chance at getting a loan.
IF I HAVE AN EXISTING LOAN, WILL I NEED TO SUPPLY A LOAN STATEMENT?
If you have any existing loans, credit cards or debts of any kind, it is generally required that you supply a repayment history statement for at least the last 6 to 12 months, this will display your ability to repay a debt on time and shows that you are not struggling to make these payments when the lender is considering to give you an additional commitment, this will also help improve your chances of getting a loan
WHAT IF I AM PAYING OFF A DEFAULT I HAD IN THE PAST, DO I HAVE TO PROVIDE PROOF?
If you have made a payment arrangement for any bad debts such as a default, this is a positive thing as it shows that you have done something about your previous bad credit issues, in almost all cases the lender would require a repayment history statement for the last 6 to 12 months to make sure that you have stuck to your arrangement and your making your payments on time.