page top
Home / Lending / Personal Loans / Loan Application Process

Loan Application Process

Attention: open in a new window. Print

Obtaining a personal loan does not need to be a stressful experience, at the Orange Credit Union our friendly Lending Relations Officers will help guide you through the complete process from first inquiry all the way through to the signing of your documents and beyond. Below is a simple guide of our application through to signing process.

Below is a simple guide of our application through to settlement process.

The initial enquiry

You can discuss your needs with one of our lending relations officers over the phone, or come into the branch for a face to face meeting. This is where we will discuss  exactly where you are up to with your home loan journey  and give you  the information you need to move forward. It doesn’t matter if you are just starting to save, or you are ready to submit an application, this is where we get to know you, and what you want to achieve. You can also visit our website for  help  with general information such as interest rates, inclusions guidelines, and calculators etc.

4 easy ways to submit your application

Electronically online

This is an easy process that you can do at your convenience 24/7.


Start application

Over the phone

Over the phone, with our loans team, they are available between 9am and 5.30 pm Monday to Friday.


Contact us

Make an appointment

Sit down, or arrange a call with a member of our Loans team. They will submit your application.


Make an appointment

Download an application

Download an application form, or pick one up in branch.
Once the form is complete, you can return it to us by post or in person.


Download PDF

Once we have received your application

If not already discussed, within 24-48 hours of receiving your application one of our Loans Officers will contact you, go through it with you, and let you know if any additional information or documentation will be required to process your application.

Conditional approval

Should your application meet our lending requirements we will then be able to grant you a “Conditional approval”,   At this point we invite you to find a house (if not already done so), once you have found your new home, or if you are refinancing an existing home, this is when we organise a valuation of the property.

If you are applying for a secured loan, e.g. buying a vehicle, caravan bike or boat, it is at this point that we invite you to go shopping to find what you are looking for, once you have found the particular vehicle, we will ask for you to supply details for the vehicle, (tax invoice or copy of the current registration), for a valuation and necessary checks on the vehicle. Once all these points meet our lending criteria, we can move to Full approval. If you are applying for an unsecured loan, we will grant you full approval at this point.


Apply Now






Rates & Fees


Special Offers