Why they change
Required fields depend on two things:
The application type decides the basics: commercial deals ask for business and guarantor details, consumer deals ask for income and expenses.
The lender decides the rest, and each one sets its own policy. Some need very little; others want every guarantor's ID and address history. The same application can be complete for one lender and incomplete for another.
What each section needs
Section | What to have ready |
Customer or business | Name, contact details and ID. For a business, the ABN and verified entity details - see Search ABN and ASIC details |
Asset | Type, description, purchase price, supplier and type of sale - see Search for an asset by VIN, rego or BIN |
Loan | Amount, term, deposit or trade-in, brokerage and origination fee |
Guarantors | On commercial deals, the directors and beneficial owners the lender asks for, each with address history and ID - see Add guarantors and beneficial owners |
Consent | Signed privacy consent, before you run any check or submit - see Send privacy consent |
Find what's missing
Select the lender on the lender panel, to the right of the application - see Understand lender matching.
Select the required-fields count shown against that lender.
Work through what's flagged.
The count drops as you complete each field.
Missing fields most often sit on a second or third guarantor, where an address or an ID number was skipped on the first pass.
Applications save automatically, so you can leave it and come back.
If a field won't accept valid information, or the application won't submit despite being complete, contact Support - Get help and support