Credit built around your salary.
Structured for eligible Federal Government employees under the IPPIS MDA scheme.
Before you apply.
A few clear requirements. Check them before you begin.
Federal Government employee
Employed within a Federal Government MDA.
IPPIS MDA
Salary processed through the IPPIS platform.
Minimum 3 years of service
A steady employment history.
Consistent net salary
Regular, verifiable take-home pay.
DTI within limit
Debt-to-income ratio up to a 45% maximum.
Credit assessment
A responsible affordability review.
Four application steps.
Check
Confirm the basic requirements.
Continue
Complete your request securely on WACS.
Assess
Affordability and credit review.
Decision
Receive a clear application outcome.
Protect yourself from loan fraud.
No agent can guarantee approval or request unauthorised payments.
Stay secure
Know before you borrow.
Understand your loan terms and the full cost before you commit.
View rates
Ready to move forward?
Check the basic requirements before you apply. It only takes a minute.
Check eligibilityStart with a quick eligibility check.
Review the basic requirements first. Potentially eligible applicants can then continue securely to WACS.