Here at Visa Loans, we provide loans for our Filipino clients who are in the process of obtaining an Australian work visa.

Visa Loans provides immediate cash loans from $5,000 to $20,000 to help Filipino workers pay the cost involved in obtaining a suitable visa and travelling to Australia. We also provide funds for your family, so they do not experience any financial pressure while you are settling into your new Australian job.

APPLYING FOR A LOAN

How does a Visa Loan work?

Our loans are regulated by the Australian government so certain information must be provided before the loan can be approved.

Regardless of if you are planning to work in Australia for a few years or are trying to gain permanent residency you often need a personal loan to cover the costs involved.

TESTIMONIALS

Hear from our clients

“I warmly express my gratitude to visa loan especially to miss karen for being kind and patient, accomodating, fast stress free process on my visa loan application.through the help of visa loan and miss karen my journey going to Australia is smoth. Thank you very much and wishing you all the best and more success.”
Andrew Frondozo
Visa Loan Pty Ltd offers a life-changing loan experience that unlocks new opportunities for growth and transformation. With personalized guidance every step of the way, you'll be empowered to achieve your ambitions and reach new heights. They've made a profound impact on the lives of many Filipino Workers who applied through Agency going to Australia, helping them overcome financial obstacles and turn their dreams into reality. Best Choice! THANK YOU VISA LOAN PTY LTD !
Cherry May Urcia
“Thankyou visa loan for helping us when we need a big amount of money,it is very much appreciated it's easy to process and so responsively.they will approve you in just couple of days.good experience thankyou so much!”
Christian Tamundong
“Thank you very much for the Visa loan, your help is great, especially when it is needed. Many thanks also to Ms Karen and Sir Adam for assisting us and for trusting us.”
Anne Mercado
HAVE A QUESTION

Frequently Asked
Questions

The responsibilities of the Borrower include ensuring loan repayments are made on time each month and advising Visa Loans of any changes to their financial situation likely to affect the ability to fund the outstanding loan.

Should the Borrower wish to alter their repayment arrangement in any way, the Borrower must contact Visa Loans at their earliest convenience. If this contact is not at least forty-eight (48) hours before the due date for processing a direct debit repayment, because of the necessary administration, it may not be possible to stop the transaction proceeding, and this may create a default which will incur a charge as per the loan contract.

The costs of a Visa Loan are set out in detail within your loan contract. The costs are calculated as follows:

Annual Cost Rate (interest)

The permitted annual cost rate, commonly called the “interest rate”, or “annual comparison rate”, is calculated on the unpaid (outstanding) daily balance of the loan amount, in accordance with Section 32B of the National Consumer Credit Protection Act 2009. In accordance with the formula in that section, the permitted annual cost rate can be no more than 48%.

This calculation may include the Application/Establishment fee, the balance of the principal and any unpaid unascertainable fee incurred to that date.

The loan is easily repaid as a once-a-month repayment will be deducted directly from your Australian bank account so you won’t need to worry.

Visa Loans Pty Ltd operates in accordance with Section 126 of the National Consumer Credit Protection Act 2009.

We are required to assess the suitability of the loan you have requested, under Sections 128, 129 and 133 of the National Consumer Credit Protection Act 2009. These Sections are concerned with whether or not the loan you seek is “unsuitable”.

Under Section 131, we are obliged to advise you that we will not participate in the arrangement of a loan for you, if that loan would be unsuitable and under Sections 128 and 133, we are obliged to refuse an increase in your credit limit if that would also be deemed unsuitable.

Visa Loans can lend anywhere from $5,000 to 20,000 AUD. Upon completion of your initial 482/400 migration loan Visa Loans can also offer discounted variable loan rates and amounts.

    1. A formal Letter of employment offer
    2. A photocopy of your passport
    3. A copy of your IMMI (482/400) Visa approval
    4. A completed Visa Loans application form.

You can contact Visa Loans if you need assistance in this area regarding any of the requirements.

If the contract document is to be signed by you and returned to Visa Loans, you must be given a copy to keep. Also. Visa Loans must give you a copy of the final contract within 14 days after it is made. This rule does not, however, apply if Visa Loans has previously given you a copy of the contract document to keep.

If you want another copy of your contract, write to Visa Loans and ask for one, Visa Loans may charge you a fee.

Visa Loans must give you a copy:

  • within 14 days of your written request if the original contract came into existence 1 year or less before your request.
  • or otherwise within 30 days of your written request

Yes. You should first talk to Visa Loans. Discuss the matter and see if you can come to some arrangement. If that is unsuccessful, you may contact your Visa Loans’ external dispute resolution scheme. External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints. Your Visa Loans’ external dispute resolution provider is the Australian Financial Complaints Authority (AFCA). They can be contacted at Phone: 1800 931 678, Email: info@afca.org.au, Postal address: GPO Box 3, Melbourne VIC 3001, or go to: www.afca.org.au.

Alternatively, you can go to Court. You may seek legal advice, for example, from your community legal centre or Legal Aid.

You can also contact ASIC, the regulator, for information on 1300 300 630 or through ASIC’s website at http://www.asic.gov.au.

Yes. Pay Visa Loans the amount required to pay out your credit contract on the day you wish to end your contract.