1. Have your sign-in ready

You need your online banking username or card number, and your password, for the chequing account your pay goes into.

2. Tap to connect your bank

Tap the green button. A secure screen opens, run by a bank-checking company we use. You sign in to your bank there.

3. Read, then agree

Read what you are asked to share. If you agree, tap the button. We can then see your name, your account details and your past transactions. This connection cannot move money. If you do not agree, stop and contact us.

4. Pick your bank

From the list, choose the bank your pay goes into.

5. Sign in yourself

Type your username or card number and your password yourself, on that secure screen. We will never ask for your password by phone, email or text.

6. Your bank may ask for a code

Your bank may send you a code or ask you a question. Type the code or the answer. Not every bank does this.

7. Wait. Do not close it

While it loads, wait. Do not close the bank screen or the first page.

8. Bank screen closed? Stay

When the bank screen closes, stay on the page and wait. The page tells you what comes next. This is not the loan decision yet.

9. We may text you

If the page says you can leave, keep your phone close. We may text you a link to carry on. We never ask for your bank password by text.

10. Rather not connect?

Do not want to connect your bank? Stop here and contact us. We will tell you if bank statements can work instead.

1. Get your ID card

Get your government photo ID. Use the real card, not a copy or a picture of it.

2. Lay it flat

Put the card on an empty table in a bright place.

3. Start the camera

Tap the button to start. If your phone asks to use the camera, say yes.

4. Photo of the front

Hold your phone level above the card. Fit all four corners in, then take the photo.

5. No shine on the card

If light shines off the card, move the card out of the light. Then take the photo again.

6. Check your photo

Look at your photo. Can you read every word on the card? If not, take it again.

7. Now the back

Flip the card over. Take a photo of the back the same way.

8. Using a computer?

If the screen shows a square code, point your phone camera at it. Then tap the link that comes up on your phone.

9. Keep the first page open

Do not close the first page. Leave it open until your photos are done.

10. Your photos are in

If you see a check mark, we got your ID photos. It does not mean your loan is approved.

1. If you are approved

We check your application first. Not everyone is approved. If you are approved, your loan agreement opens on the page. Wait for it.

2. Read before you sign

Look for four things: how much you borrow, what it costs, how much you pay back, and the day you must pay. You can still say no.

3. Sign where it asks

Sign in every place the agreement asks you to. Then tap the button to finish.

4. Signed? Stay on the page

After you sign, wait. Keep the page open. Do not sign again. The screen may look the same at first.

5. Keep your phone on

Keep your phone on and near you. We send text messages to the phone number you gave us.

6. Watch the page

The page tells you what is happening. If it says your money was sent, look for our message. If it says anything else, wait. Not sure? Contact us.

7. Find the deposit message

If you are approved and you have signed, look for a message about your money. Check your text messages and your email, the junk folder too.

8. Accept your deposit

Open the message. If it asks you to accept the deposit, tap the button or the link. Some banks put the money in by themselves.

9. Type the code

If the page asks for a code, type the 4-digit code from your text message. Never give that code to anyone.

10. Look in your bank account

If you are approved and you accept the deposit, look in your own bank account for the money. If it is not there, contact us.