Quick start your personal loan application

What you'll need...

  5 to 10 minutes

  Your contact, employment & income details

  Your loan repayment details & monthly living expenses

  Your member number (if you bank with Heritage)

ⓘ What's an application quick start?

A quick start application lets you start your loan application online by answering some standard eligibility questions. After we receive your quick start, we'll call you to finish your application & request supporting documents.

Help along the way

You can speed up your application quick start by working out how much you'd like to borrow and what your monthly living expenses are first. Use our tools to help you crunch the numbers.

 Use our Borrowing Power Calculator

 Use our Expense Calculator

 Contact us any time on 13 14 22

You're applying for our

Personal Loan

You can use a Personal Loan from Heritage Bank for any approved personal use such as education, renovations, travel, vehicles over 7 years old, getting married or debt consolidation. It has fixed repayments to make budgeting easy and unlimited extra repayments that you can redraw online, anytime.

What's the personal loan application process?

 Quick start your application

Quick start your application online. Tell us about your income, expenses, existing loans and credit history. If you meet our basic eligibility criteria, you'll be able to submit your application quick start and we'll be in touch.

This is when you should get your supporting documents ready to send us including payslips and statements.  If you want to do your homework, use our Personal Loan Checklist to see what we'll need in advance. 

 Confirm the details

Our Lending Specialist will give you a call back to discuss your application and join any missing dots. We'll also check your credit report.

 Loan assessment

Ready to apply? We'll ask you to sign your application form and provide your supporting documents before you submit your loan application for assessment.

 Sign on the dotted line

If your loan is approved, we'll send your contract to you in a way that suits; email, post or pick up at your local branch. Make sure you read all the terms and conditions before you sign.

 Your loan starts

When your contract is returned and checked by our Lending Specialist, we'll arrange your loan settlement. This is the day your loan starts and the money becomes available for you to spend in the way you discussed with your Lending Specialist. 

Don't forget to set up your automatic repayments and track how your loan is going with our Mobile Banking App.