Guides

Can I get a personal loan if I’m unemployed?

Cover image for guide.
  • Excellent: 833 – 1,200
  • Very good: 726 – 832
  • Good: 622 – 725
  • Average: 510 – 621
  • Below average to average: 0 – 509
  • Equifax: phone 138 332
  • illion: phone 132 333
  • Experian: phone 1300 783 684
  • Pay your rent, mortgage and utility bills on time
  • Make credit card repayments on time and try to pay more than the minimum repayment
  • Lower your credit card limit
  • Limit how many applications you make for credit 
  • The loan amount
  • The interest rate
  • The repayment period
  • Additional fees such as establishment, upfront late payment, account keeping, early exit and monthly administration fees. 

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