Fast unsecuredpersonal loan origination
Instant decisioning and same-day funding on unsecured personal loans. From debt consolidation to lines of credit: application to disbursement in around 30 minutes, with full responsible-lending evidence.
$25,000
disbursed straight to account
30 min
App → disbursement (median)
<3s
Credit decision engine execution time
70%
Straight-through processing
30s
Paperless approval (Defence Bank)
Speed to funds
From application to money in the account
Apply
Pre-filled application with Open Banking income and expense data.
Decision
Real-time policy and serviceability assessment returns a decision.
Verify & accept
Identity verified, contract generated and e-signed in-session.
Disbursement
Funds released straight through to the customer account.
Why it's different
Speed without trading away control
Manual unsecured lending
Days of back-and-forth for a small loan
- ×Documents chased by email and re-keyed by hand
- ×Credit and serviceability assessed in overnight batches
- ×Inconsistent decisions across staff and channels
- ×Responsible-lending evidence reconstructed after the fact
- ×Funding delayed days behind the approval
Instant decisions, evidence on every one
- Open Banking data removes most document chasing
- Real-time policy engine assesses on every data change
- Consistent, configurable decisioning across all channels
- Responsible-lending evidence captured automatically
- Same-day, straight-through disbursement to core
Use cases
One product, configured to the way people borrow
Debt consolidation
Roll multiple balances into one loan with serviceability assessed in real time.
Lines of credit
Revolving unsecured facilities with configurable limits and re-draw.
Life & lifestyle
Travel, weddings, medical, and renovation lending with fast turnaround.
Fund personal loans the same day they apply
See instant decisioning, automated verification, and straight-through disbursement, without loosening responsible-lending controls.