- a recent PAYG payment summary or income statement
- your personal tax return for the last financial year
- a signed employment contract or letter of offer detailing the regular overtime or commission as a condition of your employment.
Ensure your most recent payslip is:
- no older than 45 days for weekly or fortnightly payments
- no older than 90 days for monthly payments.
Make sure all documents show your full name, your agency or institution name and your ABN.
Bonus income
Verify your bonus income with one of the following:
- payslips detailing your bonus payments for the past two years
- a reward statement from your employer with details about your bonus payments for the past two years
- a signed letter from your employer detailing the bonus amounts you were paid for the past two years
- personal tax returns for the last two financial years
- bank statement(s) and/or transaction listing(s) that evidence receipt of the bonus payments. (Note: only the pages evidencing the payments are required, not the full two-year period).
Make sure all documents show your full name, your agency or institution name and your ABN.
Casual income
Verify your casual income with one of the following:
- a payslip showing your year-to-date income for at least two pay cycles
- your latest bank statement showing your last two salary deposits
- If your year-to-date income figure on your payslip is for less than two cycles, please provide one of the below instead:
- your latest PAYG payment summary for the last financial year
- your personal tax return for the last financial year.
Ensure your most recent payslip or salary deposit is:
- no older than 45 days (weekly or fortnightly payments)
- no older than 90 days (monthly payments)
- no older than 90 days (payments greater than monthly).
Self-employed
Verify your self-employed income with the following document types, based on your business structure
Sole Trader Partnership Company Trust Sole Trader Partnership Company Trust Sole Trader Partnership Company Trust Sole Trader Partnership Company Trust Sole Trader Partnership Company Trust Sole Trader Partnership Company TrustIncome can be verified by one (or more) of the following documents:
- your most recent ATO Notice of Assessment (NOA) issued within the last 18 months; OR
- your most recent financial statement (e.g. taxation return) issued within the last 21 months).
Please ensure all documents show your full name, and your agency or institution name and ABN.
Government allowance
Verify your government allowance with one of the following:
- your latest bank bank statement(s) or transaction listing from the last 90 days, showing minimum of two payments received
- a letter or statement from the government authority or agency that shows most recent payment and frequency.
Make sure all documents show your full name, your agency or institution name and your ABN.
Child support
Verify your child support and/or maintenance payments with:
- the maintenance agreement or child support assessment notice registered with the Child Support Agency, confirming the nature of payments
- a bank statement(s), transaction listings or Child Support Agency online payment history from the last 90 days, showing consecutive payments over at least a six-month period.
Make sure all documents show your full name, your agency or institution name and your ABN.
Existing rental income
Verify your rental income with one of the following:
- a current lease signed rental/lease agreement
- your latest rental statement(s) from the past 90 days, showing at least four weeks rental payments and printed with your real estate agent’s letterhead
- your latest bank statement from the last 90 days, showing at least two rental income deposits
- a rental property schedule contained in a current tax return from the past two years, either prepared by a tax agent or with evidence it was lodged with the Australian Tax Office.
Make sure all documents show your full name, your agency or institution name and your ABN.
New rental income
Verify your new rental income with one of the following:
- A market appraisal from a registered real estate agent. (Note: market appraisals must be on the agent’s letterhead, state the property address, and be signed and dated no later than 90 days from the application date).
- A current executed lease agreement. (Note: lease agreements must confirm the property owner, address of the property, frequency and amount of rental income or prospective rental income).
Make sure all documents show your full name, your agency or institution name and your ABN.
Superannuation income
Verify your superannuation income with one of the following:
- your most recent bank statement or transaction listings from the last 90 days, where received as a weekly, fortnightly or monthly payment/s
- your most recent bank or superannuation fund statements from the last 12-month period, where payments are received quarterly, half yearly or yearly
- financial statements or an equivalent (e.g. self-managed superannuation fund tax return) for the last financial year
- a letter from your financial planner or advisor detailing regular payments from your superannuation investment. Note that information and must cover the time period in line with the payment frequency details listed above.
(Note: Documents provided need to include the current balance of the superannuation fund)
Make sure all documents show your full name, your agency or institution name and your ABN.
Income from assets
Verify your investment income with one of the following:
- a shareholding certificate, current dividend statement or notice
- a managed fund current statement or notice
- your latest bank statement, showing at least two direct credits as investment income
- a share registry advice
- a term depository certificate
- a letter from a financial planner with the NAB Group
- your most recent tax return.
Except for bank statements, all documents need to include either:
- the name of the publicly listed company where the investment is held
- the specific name and type of investment
- the name of at least one of the customers.
Make sure all documents show your full name, your agency or institution name and your ABN.
Foreign income
Verify your overseas income the following:
- a letter from your employer detailing your employment status, employment start date and year-to-date income
- a minimum of two consecutive individual payslips for a 60-day period, with your most recent payslip being no older than 60 days
- a bank statement(s) no older than 60 days, showing salary credits for the 60-day payslip period.
Ensure your most recent payslip or salary deposit is:
- no older than 45 days (weekly or fortnightly payments)
- no older than 90 days (monthly payments)
- no older than 90 days (payments greater than monthly).
Make sure all documents show your full name, your agency or institution name and your ABN.
Defence Force income
Verify your Defence Force income with one of the following:
- a payslip showing your year-to-date income for at least two pay cycles
- your latest bank statement showing your last two salary deposits.
If your year-to-date income figure on your payslip is for less than two cycles, please provide one of the below instead:
- your latest PAYG payment summary for the last financial year
- your personal tax return for the last financial year.
Ensure your most recent payslip or salary deposit is:
- no older than 45 days (weekly or fortnightly payments)
- no older than 90 days (monthly payments)
- no older than 90 days (payments greater than monthly).
Make sure all documents show your full name, your agency or institution name and your ABN.
Verify your identity at a NAB branch
To verify your identity at a NAB branch, you’ll need to bring along identification documents. Please ensure all documents are originals and not photocopies.
Acceptable identification documentation combinations are as follows:
- one primary photographic identification document
- one primary non-photographic identification document and one secondary identification document.
Primary photographic identification
- Australian driver’s licence containing a photograph of the person
- Australian passport (a passport that has expired within the last two years is acceptable)
- Card issued under a state or territory for the purpose of proving a person’s age containing a photograph of the person
- Foreign passport containing a photograph of the person
- Foreign driver’s licence that contains a photograph of the person in whose name it’s issued and the individual’s date of birth
- National identity card issued by a foreign government
Primary non-photographic identification
- Australian birth certificate
- Australian citizenship certificate
- Australian Pension card, Health Care card or Seniors Health card
- Foreign birth certificate
- Foreign citizenship certificate
Secondary identification
- Financial benefits statement that is less than 12 months old
- Australian Taxation Office (ATO) notice of assessment that is less than 12 months old
- Australian issued rates notice, utility bill or registration notice that has been issued in the last three months
- Letter issued by school principal within the preceding three months (must have a letterhead or logo of the institute for those under 18 years)
Customer support
Use this helpful guide if you need assistance with your personal loan application.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Important Information
Terms and Conditions
Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.
Consider the NAB Internet Banking Terms and Conditions which apply when using NAB Internet Banking.
Quick links
Quick links
- Security and fraud
- Contact us
- Feedback
- Find us
- Interpreter services
- Customer notices
Policies and terms
Policies and terms
- Privacy
- Website disclaimer
- Financial Services Guide
- Important information
- Modern slavery statement
- Sitemap
Connect with us
Connect with us
- X , opens in new window
- Facebook , opens in new window
- YouTube , opens in new window
- LinkedIn , opens in new window
- Instagram , opens in new window
NAB acknowledges the Traditional Owners of the land as Australia’s First Peoples and recognises their continuing connection to lands, water and country. We pay our respects to Elders past and present.
Any advice on our website has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, consider whether it is appropriate for your circumstances and view the Product Disclosure Statement or Terms and Conditions available online or by contacting us. Credit applications are subject to credit assessment criteria. Interest rates, fees and charges are subject to change. Target Market Determinations for our products are available at nab.com.au/TMD. Products issued by NAB unless stated otherwise.
© National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686
