Got questions?

Who is Credit 2U?

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Credit 2U is a finance broker that works to find the right finance deal for a broad range of customers. We use smart technology to provide you with a fast and hassle-free experience. Our capable team of finance specialists ensure you get the treatment you deserve and keep you posted on the progress at every step of the application process.

Credit 2U is offered to you by Credit Corp Brokering Services, part of the Credit Corp group of companies. Credit Corp is an experienced and well-established financial services provider with expertise across multiple segments of the finance industry.

Our aim is to deliver sustainable financial products responsibly.

Apply Now and get a fast decision.

Why is Credit 2U better than others?

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Our commitment to innovation and technology is second to none. We understand that people want fast decisions, so we continually work on giving you fast answers and cost-effective finance options without losing that personalised level of service customers deserve.

Apply Now and get a fast decision.

Getting a loan through Credit 2U

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How do I know I qualify?

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Credit 2U gives you access to a wide range of lenders. This means we can find a great option for you regardless of your past or unique circumstances. We do our best to find a deal that suits your needs. In some cases, we may be unable to help but with our solid experience and range of options available, you have landed at the right address to explore your opportunities.

Apply Now and get a fast decision.

Can I qualify if I am a current or former bankrupt?

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Some lenders may be able to consider applications from people who are a current or former bankrupt. Our assessment is based on your current, individual circumstances.

How much can I borrow?

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Our assessment will take into account your current financial situation, based on this we can determine a sustainable loan amount and term without compromising your other financial commitments.

What information do I need to provide?

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If you’re applying for personal finance, we need:
  • Your internet banking login details - You will be presented with the opportunity to use a secure electronic service to submit your bank statements so we can get you a fast answer (Credit 2U cannot access your account and your details are not stored) OR your last 90 days of bank statements.
  • Two (2) types of photo identification (copy of your Driver Licence, passport etc.)
  • Two (2) most recent payslips (copy)
  • Your personal details such as name, date of birth, address, income and expenses.

Why should I supply my statements electronically?

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Providing your statements electronically is quick, simple and safe. Our electronic statement application, Yodlee, does not pass on your account log-in details or give us access to your online banking. Alternatively, these statements can be supplied by fax, post, or email.

Why have I been asked to contact my payroll?

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Some employers require written permission to allow us to perform an employment check. Your employer is just ensuring that your privacy is maintained.

What is the process?

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Once we receive your application, our specialists identify the most suitable finance option available from our panel of lenders which is tailored to your needs and circumstances.

Is a loan or a lease better suited for my situation?

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We encourage you to seek independent financial advice if you’re not sure what option is better suited to your situation. Each option has its benefits but the suitability will be dependent on your needs and requirements. Please consider the options carefully before selecting one and progressing with the application.

Do you offer loans with balloons?

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Yes. A number of lenders on our panel offer products that have balloon payments which may allow you to reduce your regular outgoings and pay a lump sum at the completion of your term.

Do I need to pay a fee if a lender approves my application but I choose not to proceed?

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No. Fees are only incurred when the finance option is accepted by you with any fees applicable clearly outlined prior to acceptance.

Does Credit 2U charge fees for successfully referring me to a lender?

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Sometimes. If this is the case, we will clearly outline the fees to you beforehand.

Are there monthly or early payout fees?

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This is determined by the lender or product that you select. Fees will be clearly outlined to you beforehand if this is the case.

Can you help refinance our mortgage?

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Sometimes. We specialise in automotive finance. If we are unable to service your needs we can put you in touch with someone who may be able to.

Can you help with debt consolidation?

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Yes. A lender on our panel offers consolidation loans.

Can you assist with business loans and leases?

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Yes. A number of lenders on our panel offer a range of finance options to suit most business’ requirements.

What do I do if I have a problem with payments on the loan or have specific questions about the loan itself?

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We encourage you to speak to the lender as soon as possible to make them aware of the situation. If they are unable to assist, please give us a call and we will do our best to point you in the right direction.

Can I refinance or get another loan?

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In most cases, yes. We will do our best to assist you depending on your needs and financial situation at the time of your application.

We find the right finance option for you
By engaging a broker you can avoid spending lots of time shopping around or marking your credit file by doing multiple credit enquiries with different lenders. Our specialists will do a pre-assessment of your borrowing power and recommend a suitable lender within our lending panel. Our panel offers a range of solutions including leases and personal loans.

If you are looking to finance a different type of vehicle or asset give us a call to see if we can help.