A little preparation.
A clearer conversation.

01 / Your profile

Look at the whole picture.

• Your income, employment circumstances and existing repayments.
• Your credit-report details and recent applications.
• The amount you need and a repayment you can sustain.
• Lender-specific criteria; a score alone does not guarantee approval.

02 / Documentation

Ask for the relevant checklist.

A lender may ask for identity and address proof, income and employment records, bank statements and details of existing obligations.

The final requirements vary by product and profile. Discuss the collection process before sharing documents. Do not send sensitive documents through this website’s initial enquiry.

03 / Compare the terms

Go beyond the headline rate.

• Interest calculation and APR where provided.
• Processing fees, taxes and any other applicable costs.
• Tenure, total repayment and monthly EMI.
• Part-payment, pre-closure, overdue charges and lock-in rules.
• Any Falcon service arrangements before proceeding.

04 / Consolidation

A smaller EMI is one part.

Compare the cost of your current obligations with the proposed product, including closure charges, new fees and the complete repayment period.

A longer tenure can reduce the monthly payment while increasing total interest. Suitability and savings depend on the individual circumstances and lender terms.