Borrow Responsibly

Before applying for a loan, customers should carefully consider their financial circumstances, affordability and ability to meet the repayment obligations of the agreement.

Things to consider

• Work out your monthly income and expenses before deciding on a loan amount.
• Borrow only what you need, and only what you can comfortably repay.
• Make sure you understand the total cost of credit and the repayment schedule.
• Ask questions about anything in the agreement that is not clear to you.

Our commitment

Loan approval is subject to HA FINANCE LINK's applicable assessment criteria and terms. We do not offer guaranteed approval, and we will explain the applicable loan terms, costs and obligations before you enter into an agreement.

If you are struggling

If you are having difficulty meeting your repayment obligations, contact our team as early as possible so that your circumstances can be discussed.