Not working on a full-time basis? You can still access finance with personal loans designed for part-time and casual workers.

Australian lenders provide loan and finance solutions for casual and part-time workers, who do not work or earn on a full time basis.

Casual and part-time worker loans allow borrowers to access funds for personal use (whether it be for a car, debt consolidation, or other asset purchases) without needing to have a stable income from a full-time job. Over time, borrowers will make repayments based on the amount they have borrowed, plus interest.

There is no exact figure of the level of income required to apply for a personal loan if you are working on a casual or part-time basis. The exact amount you can borrow on a personal loan will depend on the lender’s discretion.

In general, your application is likely to return more favourable loan terms if: 

  • You have a consistent history of employment, even if with part-time or casual hours.
  • You have a good credit score or history of paying your debts on time.
  • You have substantial savings or additional sources of income that display financial stability. 

As part of your application, you will need to provide proof of your income, such as recent pay slips, receipts, bank statements, or tax returns.

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