Responsible Lending Guidelines

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Responsible Lending Guidelines

As responsible lenders we aim to ensure all our customers can borrow from us in a clear, fair, transparent and sustainable manner. 

In order to achieve this, before lending, we will:

  • Assess your creditworthiness and may ask for information to help us determine whether it is responsible for us to lend on each occasion.
  • Consider each lending decision individually on the basis of what we know about your circumstances and credit repayment history.
  • Only lend an amount that we are reasonably satisfied that you are able to repay over the term of the agreement.
  • Never encourage you to borrow more than you can reasonably afford to repay.
  • Never try to hide or disguise any charges. 
  • Ensure all our marketing materials are clear, fair and not misleading.


To also help ensure we lend responsibly we ask that you:

  • Provide us with the required, up to date documentation (payslip & bank statement)
  • Accurately declare all your current financial commitments 
  • Inform us any impending, known or possible changes to your circumstances which could impact on your ability to maintain your repayments eg. Redundancy, retirement etc.
  • Consider carefully the amount you want to borrow
  • Ensure you can comfortably afford the repayments over the term of the agreement
  • Ask us questions if you are unsure about anything related to your loan


Please be aware if you are taking a top up loan this will extend the period of your repayments. This extension will normally be between 12 & 15 months.

If, at any point during your agreement, you have difficulty maintaining your repayments, please contact us as soon as possible and we will offer assistance appropriate to your circumstances.

  • Flexible repayment terms
  • Local, same day service
  • No Arrangement Fees
  • Personal, friendly service
  • Loans for any purpose

Click the button above to send IC Loans any supporting documents