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Need to top up your Community First loan?
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You can apply to increase the limit of any existing Community First loan you may have including home loans, credit cards, personal loans, car loans, green loans and overdrafts.
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How do I increase my existing loan limit?
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A lot could have changed since you last applied for your loan with Community First. You may have changed jobs, had children, moved house, paid off debts or taken more on. As your financial position could have changed, you will need to submit a new loan application so that we can reassess your financial position and ability to repay a higher loan amount.
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Re-applying is quick and easy
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When you apply for a loan online and use your Internet Banking details to login, the application form will display all your current details including details of your assets, liabilities and income. All you need to do is make any relevant changes to ensure your information is as up to date as possible- you don't need to re-type all your information which helps make the process simple, quick and easy.
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Please note: On the final page of the application it will ask you if you would like to provide any additional comments. You should make a note here that you are applying for a loan top up/increase to ensure we understand what you would like to do.
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What amount do I need to re-apply for?
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As we need to reassess your financial position, we will need to assess your ability to repay the full new loan amount. For example, if you currently have a personal loan with a limit of $5,000 and wish to increase it by $2,000, you should apply for a personal loan of $7,000.
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Other ways you can apply
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Depending on what is most convenient for you, you can choose to apply via any of the following ways:
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Applying for a loan with Community First
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When you apply for a loan with Community First, we can generally give you a pre-approval in as little as 24-48 hours.
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Loan calculators
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Our Loan Calculators will help you work out a range of calculations such as how much you may be able to borrow, what your repayments will be, and how additional repayments can affect your loan term and interest paid.
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* Terms and conditions, fees and charges apply - details available on application. All loans subject to lending guidelines.
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