FAQs
Frequently asked questions
Short answers about applying, repaying and your account.
How long does approval take?
It usually takes 24 to 48 hours. It can take longer if we need more information from you, and we’ll contact you if so.
How do I apply?
Use the online application. You can create an account or sign in to follow your application afterwards.
What documents do I need?
It depends on the loan. You’ll usually need government-issued photo ID, proof of address and proof of income. The application tells you what applies to you.
Can I apply if I already have a loan?
Yes. We look at whether you can afford another loan, so having one doesn’t rule you out. The decision is up to Emerald.
How do I repay my loan?
You can repay by bank transfer or at an ATM. See the Repayments page.
What if I can’t make a payment?
Contact us as soon as you can so we can talk through your options.
How do I get into my account?
Use Client Login to sign in on our client portal.
What are your hours?
Monday to Friday, 8:30 a.m. to 5:00 p.m.
Didn’t find your answer?
Message or call us, Monday to Friday, 8:30 a.m. to 5:00 p.m.