Common questions
Quick answers to the things people ask us most. Tap a question to open it.
Questions and answers
How do I apply?
Start with our enquiry form or the full loan application. Tell us what you need and our team will get back to you. How it works shows each step.
What documents will I need?
Most people need photo ID, proof of address and proof that they can repay, such as bank statements, payslips or tax returns. Businesses usually also need business registration details and financial statements. See our document checklist.
Which countries and currencies do you help with?
Australia (AUD), the United States (USD), Canada (CAD), New Zealand (NZD), Fiji (FJD) and the Philippines (PHP). See where we help.
What kinds of finance do you help with?
Personal, business, agriculture & rural, equipment, property and invoice finance. See our services.
Is there a cost to use the calculators?
No. All our calculators and planners are free to use. Their results are estimates only, not quotes.
Are my documents safe?
Documents you upload from My account are encrypted before they are stored, and only our authorised staff can open them. Lender partners only see documents our team has approved, and only if you choose to share them. See our Security page.
Can I withdraw my enquiry or application?
Yes. Making an enquiry or an application does not commit you to take a loan. To withdraw an application, log in to My account, open Applications and choose Withdraw. For an enquiry, or if you cannot log in, contact us. If you have already signed a contract with a lender, read its terms or ask the lender how cancelling works.
How do I follow my application?
Log in to My account to see your applications and upload documents.
How long does it take?
It depends on the type of finance, the lender and how quickly all your documents are ready. Our team can give you an idea once we know what you need.
What fees do you charge?
Fees depend on the finance and the lender. Always ask for every fee in writing before you sign anything, and contact us if you have a question.
Do you guarantee approval?
No. Nobody can honestly guarantee approval before an application is assessed. Every application is assessed by the lender on its own merits.
Will you ever ask for my password?
No. Our staff will never ask for your password, a sign-in code or your full card number. Read how to spot a loan scam.
Is Pay In Time - Finance a lender?
No. Pay In Time is not a lender. Our team looks at what you need and talks to lenders that fit, and every application is assessed by the lender on its own merits. See what we do and don't do.
I farm and I know what I want to finance. Where do I start?
Send a farm finance request: tell us what you want to finance, roughly how much and how to reach you. You get a reference number and our team contacts you. Ready to apply in full? Use the loan application.
I am a finance broker. Can I work with you?
REALM is building a panel of finance brokers in each country it serves. The panel is not live yet: you can register your interest, and registering does not make you a panel member.
How do I become a REALM Partner?
Join the REALM Partner Program on the REALM website. Joining is free, partners are approved by REALM management, and rewards are subject to the REALM Partner Agreement. For finance referrals, partners only pass on contact details and never give finance advice.
Do you give financial advice?
No. Our pages and tools are general information, not financial, legal or tax advice. See what we do and don't do.
Good to know
- These answers are general information, not financial, legal or tax advice.
- Can't find your question? Our team is happy to help.
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