Christmas can be the most magical time of year – especially when family and friends come together to celebrate. Unfortunately, it can also be an extremely expensive time of year, which can add a bit of pressure and worry to the festive season.

There are things to buy, places to visit, and people to look after. If you’re planning for Christmas but feeling a bit short on cash, we can help make things possible. If you already have a personal loan with us, a loan top up could help you tick off the Christmas wish-list.  

Lots of people think that if you have a loan with us, you need to pay it off completely before you can apply for another loan. But that’s not always the case! If you’re in need of some extra cash before the festive season, let’s chat. You could be eligible for a loan top up or even be eligible to take out a second loan.

The best bit? We’re always here to support you and so we offer loan top ups throughout the year, not just at Christmas! Apply online and our friendly team will see how they can help.

We won’t let you get in over your head too. We’re responsible lenders and are committed to making sure your loan fits your personal situation. If you apply for a top up, we will always complete a budget to check if you can afford the repayments.


What is a loan top up? 

If you have an existing loan with us, a loan top up could allow you to borrow more money on your existing loan. You’ll get some extra cash to help make your festivities possible, and still only have one loan payment to manage with Instant Finance. Depending on the balance of your existing loan, your payments could increase, stay the same or even decrease!

The amount we can top up your loan is always based on what you can afford, so come prepared with bank statements and proof of income to speed along the process.


How do I qualify for a top up?

To qualify for a loan top up, you will need to have an existing loan with Instant Finance. You can apply online to start the process right now. Once you do, we can start our Responsible Lending assessment. If your circumstances have changed, please let us know!

Instant Finance will look at your ability to afford repayments and your payment conduct with Instant Finance and other lenders.


How do I apply for a top up?

You can apply online or contact your branch.

We do ask for information like: How much do you need? Where do you live? How do we contact you? And how do you earn your income?

We will help you through the process and do everything we can to make this fast, easy, and ensure that you know that full details of what you are applying for.


Some handy loan tips 

If you last applied for your loan a while ago, things might look a little different around here! We’ve improved and streamlined our application, review and approval process so everything’s at your fingertips.


  1. It’s all online

Yep, that’s right – nowadays our loan application is completely online so you can apply for a top up or a new loan at any time of the day and from wherever you are – even from the couch!

  1. Speed up the process with bank statements

If you have an existing loan with us, you will have gone through the process of submitting your bank statements for our team to assess your affordability (it’s all part of the process!). But now, you can easily submit these online after your application and speed up the approval process.

We take your privacy security seriously, so we partner with reputable providers to securely upload your bank statements through our website.

  1. Review & sign for your loan online

Gone are the days of having to return to your branch to review and sign your loan documents. Now, we will send you a secure email with everything you need to know so you can sign on the go. This speeds up the application process too so you’ll have cash in your account faster – how cool!

Ready to top up your loan?

Apply Now