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Why haven't I met the eligibility criteria?
Why haven't I met the eligibility criteria?
Written by Gemma
Updated over a week ago

Before you can make a withdrawal with us, we check that you meet our eligibility criteria to ensure that we are lending responsibly. If you are not eligible this time, this could be for a few reasons. Here are the most common reasons:

  • You have not connected a transacting account that your wages are deposited. (A transacting account is an account that allows direct debits. We need this so we can process repayments.)

  • You don't meet the minimum income requirement ($800/month)

  • Your wages are not paid by your employer's payroll (not as bank transfers).

  • Your wages make up more than 50% Centrelink income. (We also don't accept other government payments such as pension payments as wages)

  • Your wages are not consistent, meaning you aren't consistently paid weekly, fortnightly or monthly.

  • You have too many gambling expenses on your account.

  • You have too many dishonour fees on your account.

  • You have too many payment reversals on your account.

  • Your recent expenses and repayment history have not passed our eligibility criteria.

We run our eligibility criteria frequently and reassess your account's eligibility. This means, even if you have taken a loan with us previously, this does not guarantee you'll be able to make another loan with us and will be subject to passing our eligibility criteria.

I've made withdrawals before, why can't I make another one?

Even though you've made a withdrawal with us in the past, this doesn't guarantee you'll be able to make one in the future - this is dependent on meeting our eligibility criteria above.

This can happen if there are changes to your pay cycle or if you've incurred too many gambling or dishonour fees since your last payday.

How can I become eligible?

If you haven't met our eligibility criteria this time, you can definitely try after your next payday. Don't worry, we'll let you know when you're eligible.

We've had many customers retry and make successful withdrawals once they have had changes to their circumstances.

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