At Salt & Lime, we like to keep it simple. We charge zero fees, with great rates, and fast service. In a unique approach, we also provide short financial education modules throughout your loan - with multiple discounts on offer for completing them. With no fees and the added bonus of interest rate discounts, this means you'll pay your loan back faster, paying less over the life of your loan.

Salt & Lime currently offer debt consolidation, personal loans, and car loans. To keep things simple and transparent, all of our loans have no fees, low comparison rates*, and no penalties for paying ahead on your loan. *The comparison rate - or APR - reflects the true amount you'll be paying on your loans, once all fees and additional costs have been added in. If the APR seems high compared to the interest rate, it may be best to consider other options, as additional costs are likely high. Given that Salt & Lime charge no fees, and offer discounting for completed modules, our APR is actually lower than our interest rates - not higher. This means more money back in your pocket over the life of your loan. Please note that all loans with Salt & Lime require a vehicle in your name as security.

Debt consolidation is the process of bringing all of existing loans together, into a single, easy-to-manage debt. Managing several debts at once can be challenging, particularly when they all have their own interest rate, loan term, account login, and repayment date. This can make it unclear when you'll be debt-free, and hard to control a budget. Debt consolidation can help to bring down your overall interest rate, simplify your finances, and create a clear pathway to debt-free. For more information on how debt consolidation can help, please see here.

A secured loan simply means that your car (or vehicle) is used as security against your loan. Please note that any vehicle used as security with Salt & Lime should be in your name, and cannot belong to a friend or relative.

Yes - we would be happy to refinance your current asset finance contract. Please apply online, and note that we will need a recent, valid payout letter from your current lender.

We have zero fees, and no penalties if you would like to increase your repayment amount, or repay your loan early. Our interest rates start at 20.50% (APR 19.46%) across all loan types. Your final interest rate will be personalised, and dependent on several different factors, including information contained in your credit report and bank statements. All interest rates are fixed for the life of your loan, and will reduce as you complete your financial education modules.

Once you have conditional approval with Salt & Lime, you will first receive an SMS notification, followed by an email with further detail from us. 'Conditional Approval' simply means that we have completed an assessment of the information provided, and the loan amount has been approved. The loan can then progress to funding, providing certain additional conditions are met. The conditions will be listed in your email, and may be either financial or non-financial information that we would require to settle and fund your loan. For example, we may require copies of your recent payslips, or another form of identification. If all documents have been received with no further queries, you will progress to funding, and the loan can settle on the same day.

Whenever you're planning to take out any new finance - whether debt consolidation, car loans, or personal loans - the below essential steps will help to get you started on the right foot. Step 1: Check your credit history. This means knowing your current credit score, and checking over the last few months of transactions on your accounts, confirming all look correct. Step 2: Research the market. Compare and contrast loans in terms of their product offering - fees, interest rates, and respective comparison rates. Ensure you meet any eligibility requirements before applying; many Australian lenders will have minimum requirements of having Australian residency, and a minimum application age of 18 years old. Step 3: Apply for your loan. Once you have narrowed your search to a few lenders that you feel are aligned with your goals, apply! If purchasing a vehicle or other asset, you may have applied for pre-approval, so ensure you consider the amount approved with any potential further expenses that your ideal vehicle could cost.

Our application process is fast, simple, and completely digital. Just two simple steps, and you'll be on your way. First check your eligibility via the list below, then you can apply online. Once your application has been submitted, we'll contact you within 1 business day with next steps. Please see below for our eligibility criteria; You're over 18 years of age You have online banking set up You're contactable via phone and email ​You're an Australian Citizen or Permanent Resident You have regular income for at least 3 months and can provide payslips

After submitting your application with us, you’ll hear back from us within one business day. At this stage, we may request further information to support your application. If you have submitted all information required at the time of application, you could be approved and funded on the same business day. Just keep an eye on your SMS messages and email to find out next steps, as we'll be in touch as your application progresses.

Salt & Lime offer several incentives and support mechanisms to help you pay down your debt faster. Our philosophy is to support you to eliminate your debt, helping you to get back on track as quickly as possible. Please see below for some great benefits of a loan with Salt & Lime; Great rates No fees or penalties Financial education modules Additional discounts and offers include; Salary Split discounting Refer a Friend offer Our mission is to support, educate, and empower everyday Australians to take control of their finances - and our vision is to deliver socially responsible lending to every Australian who needs it.

With Salt & Lime, your repayments can be made via your employer, in line with your current pay cycle. Currently, Salt & Lime offer a huge 2.00% interest rate discount for customers who choose Salary Split. This supports a worry-free repayment schedule, and can support your budgeting goals. Plus - the bonus discount will lower your interest, helping you to pay down your debt faster. If you're a current customer and would like to enquire about Salary Split, please contact us via the below. We will send you an authorisation form, allowing your repayment to be made directly by your employer each pay cycle. Phone: 1300 702 202 (Option 1) Email: CustomerCare@saltandlime.com.au

One easy way to improve your credit score is to start regularly paying back your debts. If you can demonstrate that you can consistently and reliably pay back a loan, your credit score will begin to rise. Multiple debt applications to several lenders within short period can also impact your credit score. In light of this, it is good practice to research thoroughly before applying for a loan, to understand more around what providers may be right for you. If you are unsure, or you're feeling short on time, a loan broker may be the best option. For more information on how to improve your credit score, please read on here.

Yes. When you submit a loan application, the credit provider is required to report a credit enquiry to the bureau, which may have an impact on your credit score. For more information around impact to your credit score and how to improve, please read on here.

Any questions? We'd love to hear from you! You can contact us by any one of the following methods: Phone: 1300 702 202 Email: customercare@saltandlime.com.au Website: https://www.saltandlime.com.au/contact-us Please note that we are open during business hours: Monday - Friday, 9:00am - 5:00pm. If you contact us over the weekend or a public holiday, we will make it a priority to respond to your query the following business day.

If you are looking to apply for a Salt & Lime personal loan, you will need to check your loan eligibility online before submitting an application. While we welcome applicants from all financial backgrounds, you will need to ensure that you: Are over 18 years of age Have online banking set up Are contactable via phone and email An Australian Citizen or Permanent Resident Have regular income for at least 3 months and can provide pay slips Own a vehicle for security against the loan Once you’ve passed our personal loan eligibility criteria, you can apply online.

Our car finance eligibility checker can be found on our website. Like our other loan options, there are a few conditions you will need to meet before you can confidently submit your application, such as being over 18, having proof of income and proof of Australian citizenship.

No, the minimum age for a loan in Australia (and applicant with Salt & Lime) is 18 years of age.

You may still apply if you're not an Australian citizen, however, you will need to provide proof of Australian permanent residency. If you are not an Australian citizen nor a permanent resident, you will not be eligible for a loan with Salt & Lime at this time.

Currently, Salt & Lime do not cater for unemployed applicants. Please do keep us in mind, and once you are able to demonstrate regular income for 3 months, please feel free to apply. Casual, part-time, or full-time employed applicants will all be considered as part of our credit assessment process.

We have zero fees, and no penalties if you would like to increase your repayment amount, or repay your loan early. Our interest rates start at 20.50% (APR 19.46%) across all loan types. Your final interest rate will be personalised, and dependent on several different factors, including information contained in your credit report and bank statements. All interest rates are fixed for the life of your loan, and will reduce as you complete your financial education modules.

Currently, a Salt & Lime vehicle loan starts at a minimum of $5,000, with a maximum of $75,000.

We offer loan repayment terms of 3, 5, or 7 years, and your choice of a weekly, fortnightly, or monthly repayment frequency.

Generally speaking, almost all new and used road vehicles can be purchased with a Salt & Lime car loan.

Yes absolutely, we offer car loans for both new and used vehicles. The lending process will vary slightly depending on whether it's a private sale, or via dealership or broker.

The vehicle used as a security on your loan should be in your name, unfortunately we cannot accept a vehicle in someone else's name.

While this is not a standard feature of our loans, you may opt to reduce your repayment for the life of the loan by having a balloon payment at the end of your loan. Please note that this is capped at 20% of the value of the vehicle.

Yes absolutely! Start by applying with us online. If you already have a car you'd like to buy – great! You can outline the amount you need to borrow in your application. If you're still looking for a car, let us know how much you're looking at spending and we'll process your application based on that number. You'll then have 90 days to find your vehicle. Once you've found your new vehicle, we will just need the seller’s ID, a copy of their bank statement (ensuring this shows their BSB, account number, name, and address), and confirmation of the vehicle details. Once the vehicle has been verified by us, we'll send you a loan contract. You'll need to provide proof that you have taken out comprehensive insurance for the car and included Salt and Lime Pty Ltd as the interested party on the certificate. Finally, we'll disburse the funds to your nominated account.

Your vehicle insurances and warranties can absolutely be funded alongside your initial loan amount. Once the loan has commenced, the loan cannot be 'topped up' for any other purpose.

Any questions? We'd love to hear from you! You can contact us by any one of the following methods: Phone: 1300 702 202 Email: customercare@saltandlime.com.au Website: https://www.saltandlime.com.au/contact-us Please note that we are open during business hours: Monday - Friday, 9:00am - 5:00pm. If you contact us over the weekend or a public holiday, we will make it a priority to respond to your query the following business day.

We have zero fees, and no penalties if you would like to increase your repayment amount, or repay your loan early. Our interest rates start at 20.50% (APR 19.46%) across all loan types. Your final interest rate will be personalised, and dependent on several different factors, including information contained in your credit report and bank statements. All interest rates are fixed for the life of your loan, and will reduce as you complete your financial education modules.

You can see your account balance once you log in to your Salt & Lime hub. Please note, it may take a few days for repayments to be processed and reflected in your remaining balance.

Absolutely - in fact, we encourage it! Throughout the duration of your loan, we will send you 12 financial modules to complete. Each module is quick and informative - and can be done and submitted in under 5 minutes. The modules will aim to deepen your knowledge of financial products, how to manage your income and expenses, and many other key topics. After completing each module, an interest rate discount will be applied to your loan. Most modules will earn you a 0.25% discount, while the first two modules are worth a whopping 1% together in interest discounts. With 12 modules to complete, you could be saving hundreds of dollars over the life of your loan!

Absolutely! Our aim is to support you to be debt-free, and sooner. You can pay more off your loan at any time, and it won't cost you anything in fees or penalties. You can even pay off your entire loan at once - we charge you no 'exit' or 'early repayment' fees. If you are a current customer, please contact us via any of the methods below in order to make additional repayments. Phone: 1300 702 202 Email: customercare@saltandlime.com.au

We don't currently offer a redraw facility on our loans, sorry! You may apply for a top up on your loan - please apply via the application form on our website, only for the amount you wish to increase your loan.

If you'd like to change the repayment frequency of your loan, please get in touch with our team and we'll get things sorted. You can opt for either weekly, fortnightly or monthly repayments. You can contact us via any of the following methods; Website: Chat, or Contact Us form Phone: 1300 702 202 Email: CustomerCare@saltandlime.com.au

Once you make your final repayment (and if you have no balloon payment) there’s nothing more you need to do! When the payment has been received at our end, we close up the account, remove your security interest, and send you your letter of loan closure. Similarly, if you want to pay out your Salt & Lime loan early, please get in touch with us and we'll send you a payout letter with the total remaining amount owing. Remember, there are no penalties if you'd like to pay your loan back early!

We understand that sometimes life happens, and this can result in a missed payment. If this occurs - we're here to support. Please contact us to discuss as soon as possible via the below. Our experienced team will help by offering a solution tailored to your needs. Phone: 1300 702 202 (Option 4)

Experiencing financial hardship can be a very difficult time for many individuals and families. When life throws curveballs, we're here to support every step of the way. If you feel you may be experiencing hardship, please reach out to us via any of the following methods; Phone: 1300 202 702 (Option 2) Online: https://www.saltandlime.com.au/financial-hardship

We hope you are delighted with our services, but if you have a complaint, please notify us by contacting us via either of the below channels; Phone: 1300 702 202 Email: complaints@saltandlime.com.au ​ At Salt&Lime, we commit to take responsibility to work with you to resolve your questions and complaints at your first point of contact with us. If you would like to read more, please see our Complaints Policy page.

Any questions? We'd love to hear from you! You can contact us by any one of the following methods: Phone: 1300 702 202 Email: customercare@saltandlime.com.au Website: https://www.saltandlime.com.au/contact-us Please note that we are open during business hours: Monday - Friday, 9:00am - 5:00pm. If you contact us over the weekend or a public holiday, we will make it a priority to respond to your query the following business day.

A personal loan is a loan that allows you to borrow money to help achieve a range of financial milestones. Some reasons a person may apply for a personal loan include paying for their dream wedding, taking a holiday, purchasing a new car or paying for home renovations.

Salt & Lime offers competitive secured personal loans of $4,000 - $30,000. We do this to ensure our ability to cater to a wide range of borrowers. Whether you’re looking for a small personal loan to cover an unexpected vet bill or an instant loan to kickstart your dream renovation, Salt & Lime can help.

Applying for a low interest personal loan with Salt & Lime is simple and features a 24-hour turnaround time for approved applicants. Before we can get your small loan approved, you’ll first need to check your eligibility. Once you pass all our criteria, you can complete an application online. You’ll be asked to submit a few personal details, plus the amount you would like to borrow and for how long. Once your application is submitted, we’ll be in touch within 24 hours with a decision.

Yes. At Salt & Lime, we believe someone’s financial past should not reflect their financial future, which is why we offer personal loans for bad credit applicants. We are also proud to be a responsible lender and will assess small bad credit loan applications on a case-by-case basis.

If you meet all our eligibility criteria and are a suitable candidate for a Salt & Lime personal loan, you could have your application approved, and the funds deposited into your bank account within 24 hours.

Right here! Salt & Lime offer some of the best personal loan rates on the market, with rates starting from 20.50% (APR 16.72%). All our personal loans also feature no ongoing or establishment fees, plus zero penalties for borrowers who choose to pay their loan off early.

Salt & Lime always endeavour to process loan applications as soon as possible, informing applicants of our decision. If you are approved and provide all the necessary documents, you could receive the funds within 24 hours.

No, you do not need a deposit or down payment to be approved for a personal loan. You can apply online by submitting only a few personal details.

While you don’t need a reason to apply for a personal loan online, most of the time, people looking to take out a small loan online are doing so for a reason. This may be to fund an upcoming trip, purchase a new vehicle, pay medical expenses or consolidate existing debt.

A secured personal loan is a type of loan where a borrower must provide a form of security, like an asset, to be used as collateral against the loan. For instance, if you intend to use your personal loan to purchase a car, the vehicle will be used to secure the loan. This means that if you cannot meet your regular repayments, the lender can repossess the vehicle and sell it to cover the cost of the loan.

As we aim to provide quick and easy loan approval, you only need to submit a few details as part of your application. This includes your full name, address, contact details, proof of identification and how much you’re looking to borrow for how long. We will also ask for three months' worth of payslips as proof you receive a regular income.

While Salt & Lime encourages borrowers from all financial backgrounds to apply, there are some eligibility requirements. To qualify for a Salt & Lime holiday loan, borrowers must: Be at least 18 years of age Have online banking set up Be contactable via phone and email Be an Australian Citizen or Permanent Resident Have regular income for at least three months and can provide payslips Own a vehicle to be used as security against the loan

Seamless lending and long-lasting financial independence, that’s just some of the many perks of being a Salt & Lime customer. Our suite of personal loan products can help you reach your financial milestones and instil positive financial habits that’ll stay with you long after your loan is paid off. Contact us today to learn more about our holiday loans, or become a part of the Salt & Lime community by applying for a holiday loan today!

A personal loan can be used to fund a range of financial goals. Some of the most common reasons our customers take out a personal loan are to take a holiday, purchase a new or used car, pay for medical expenses, make home renovations or pay off debt.

Salt and Lime accepts holiday loan applications from all kinds of borrowers. However, we do ask that you meet the following conditions: Be at least 18 years of age Have online banking set up Be contactable via phone and email Be an Australian Citizen or Permanent Resident Have regular income for at least three months and can provide payslips Own a vehicle that can be used as security against the loan

Yes, taking out a holiday loan can potentially affect your credit score. When you apply for a loan, the lender will usually perform a hard inquiry on your credit report to assess your creditworthiness. This hard inquiry can negatively impact your credit score, typically lowering it by a few points. It’s also worth noting that regardless of whether you are approved or rejected for a holiday loan, your application for financing will be listed on your credit report.

To be eligible for a Salt & Lime holiday loan, we ask that borrowers have proof of a regular income they can validate through regular payslips. If you are unsure whether this makes you ineligible for a Salt & Lime holiday loan, feel free to get in touch with us today.

As a Salt & Lime customer, you can borrow between $4,000 to $30,000 on your renovation loan. This ensures you have sufficient funding to cover the expenses associated with your upcoming home improvements.

Absolutely! Let’s face it, renovations can be expensive, especially if you’re thinking about undertaking a massive project. That’s why many lenders offer renovation loans as part of their product offering. Like any other loan, renovation loans feature an interest rate, repayment schedule and other loan features to help you pay off the loan. The Salt & Lime renovation loan is jam-packed with perks, from interest rate discounts that can be earned upon completing our education modules to receiving $100 off your loan when you refer a friend and have their loan settled.

Yes, you can typically borrow extra on your mortgage for renovations. This is commonly referred to as a “home loan top-up”. With a home loan top-up, a person can use the equity in their home to borrow additional funds against their mortgage for a renovation. If you are considering a home loan top-up, you’ll need to ensure your budget can manage an increase in your home loan repayments and whether you are comfortable with extending your loan term.

While it’s not a mandatory requirement, having your home revalued after renovating is not a bad idea. Renovations can significantly alter the value of your property and increase its worth and functionality. A new valuation gives you an accurate understanding of your home's current market value, which can be essential when making future financial decisions. Having an updated valuation also helps you determine whether you need to alter your home insurance policy, as you may need to increase your coverage. Real estate agents can provide an accurate post-renovation valuation and insights into current market conditions.

We'll send you 12 modules to complete, approximately every 3 months. Upon completion of these modules, you will unlock interest rate discounts which total up to 3.5% off your loan (Applicable to S&L customers with a loan)

Each module takes just 5-7 minutes to complete. Whether you're a loan customer, or you've just signed up for fun - it'll be less than 10 minutes per day to kick start your financial wellbeing journey.

The modules are designed to take you on a journey of financial wellbeing, guiding you out of debt. The content ranges from understanding your loan, understanding credit score, right through to savings and ongoing financial management strategies.

The goal is to support paying down debt quickly, living debt-free, and promote financial independence for every Australian in a debt cycle. Your financial wellbeing is our priority (that's why we'll also give you discounts as an incentive!).

If you have any direct feedback on the modules or want to continue your module journey log into the financial wellbeing hub! Did you know, that even if you are not a customer you are welcome to join our financial wellbeing journey for free? Simply sign up here: If you have any further queries or would like further information? We're here to help! Please don't hesitate to contact us via the details below. We're available Monday - Friday, 9am - 5pm. Phone: 1300 702 202 Email: customercare@saltandlime.com.au Chat: Located at the bottom right of our webpage