Frequently Asked Questions

Confused? Don’t worry, that’s what we’re here for.

I want to ask a few questions before I apply for finance

Simply call 1300 884 355 between the hours of 9AM – 6PM Monday – Friday, and one of our friendly Personal Finance Consultants will happily answer any queries you may have.

How much can I borrow?

MacCredit offers personal loans between $4,000 and $60,000. The amount that you will be able to borrow will depend on your specific set of financial circumstances.

How long does the application process take?

To complete a pre-qualification and then, if successful, the full application, takes roughly 10 minutes overall. To see if you qualify to submit a full application, get started.

What sort of documentation will I need to provide?

Documentation that you will need to provide are those that will enable you to prove your identity, income and expenses. These can include, but are not limited to:

  • Recent payslips
  • Australian Driver’s Licence
  • Australian Passport
  • Medicare Card
  • 90 days of bank statements
  • Loan statements
  • If you are self employed, your last two year’s financials and tax returns

How long does it take MacCredit to facilitate an approval?

Once you have submitted your online application, and we have received the required supporting documentation, you can expect to receive a response within 24-48 hours.

What interest rate can you offer me?

Every applicant’s interest rate is determined by each individual lender based on their unique lending criteria. For this reason, we are unable to provide you with a rate upfront.
If you qualify for a personal loan, you can trust that our Personal Finance Consultants will utilise their expertise to source you the most suitable personal loan for your unique set of financial circumstances.
To find out if you qualify to complete an application, get started.

Am I eligible for a loan?

In order to apply via MacCredit, you must be:

  • Over 18 years old
  • An Australian citizen or permanent resident
  • Employed or self-employed and earn over $25,000 p.a.
  • In possession of a current Drivers Licence, Passport or Medicare Card
  • NOT be a current or prior bankruptee or be party to a court judgement

When will you contact me?

As we have a small team of three personal finance consultants, you will be contacted within three hours of your application submission.

Please note that if you submit an application overnight or on the weekend, you will not receive a call until the following business day. Our business hours are 9AM – 6PM Monday – Friday, excluding public holidays.

Can’t see your question?

Give us a call at

1300 884 355

and one of our personal finance consultants will happily assist.


WCF Medical Pty Ltd – Suite 104 Level 1, 30 Cowper Street, Parramatta NSW 2150

ACN 609 032 242 – Credit Representative 484002 is authorised under Australian Credit License 389087


Approved customers only. Terms, conditions, fees and charges apply. All applications are subject to our lending panel’s lending and approval criteria. Settlement times may vary depending on circumstances. Loan repayment terms range from 18 months to 7 years. Interest rates range from 7.65% p.a. (7.65% p.a. comparison rate) to 29.99% pa (31.13% p.a. comparison rate) for unsecured loans, and from 8.95% p.a. (10.56% p.a. comparison rate)  to 29.99% p.a. (31.13% p.a. comparison rate) for secured loans.
Comparison rates are based on a loan of $30,000 over 5 years.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates are subject to change.
EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 7.45% p.a. (9.07% p.a. comparison rate), would estimate to a minimum total amount payable of $37,741.60 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change.