A bridging visa keeps you lawfully in Australia while your next visa is being decided — and if you're working, life still costs money. The uncertainty of the bridging period is exactly when many lenders get nervous and decline. Being on a bridging visa is not an automatic barrier to a personal loan. You need a lender that assesses your actual income and conduct, not just your visa label or a thin credit file.
Can you get a loan on a bridging visa?
Yes — Skypay assesses employed bridging visa holders on a case-by-case basis. We don't require permanent residency or citizenship. What matters is that you're working with regular income and the repayments are affordable. Every application is subject to a responsible lending assessment, and we only lend where the loan is suitable for your circumstances.
What we look at
- Your regular income from work.
- How you manage your everyday banking — your real behaviour, not a thin credit report.
- Your existing commitments, so repayments fit comfortably alongside them.
What you need to apply
- A valid bridging (or other eligible) visa
- Proof you're employed with regular income
- An Australian bank account
- Standard ID
It's all online and takes about 5 minutes.
How much can you borrow?
First-time customers can apply for $2,100 to $2,500. If you repay successfully, eligible returning borrowers may access higher amounts — up to $3,500 — subject to eligibility and criteria. Repayments run over a fixed term so you always know what you owe and when.
How fast is it?
- Apply in ~5 minutes — no forms to print, sign or fax.
- We assess your application against responsible lending criteria.
- If approved, and you have a PayID-enabled bank account, funds are typically sent in around 60 seconds.
Frequently asked questions
- Can I get a personal loan on a bridging visa?
- Yes. Skypay assesses employed bridging visa holders on your income and banking conduct rather than just a credit score. All applications are subject to a responsible lending assessment.
- Do I need an Australian credit history?
- No. Because we look at your income and everyday banking, a thin or empty credit file doesn't automatically stop you qualifying.
- How much can I borrow?
- First-time customers can apply for $2,100 to $2,500. Eligible returning borrowers may access up to $3,500 after successful repayment, subject to eligibility and criteria.
- How fast is the money paid out?
- The application takes about 5 minutes. If approved and you have a PayID-enabled account, funds are typically sent in around 60 seconds.
Eligibility criteria and T&Cs apply. Skypay Pty Ltd ABN 52 691 707 696 is an Authorised Credit Representative of Australian Credit Licence 519253, operating under Australian consumer credit regulation. This article is general information only and does not take into account your objectives, financial situation or needs.
Loans from $2,100 to $2,500 for first-time customers. Eligible returning borrowers may access higher amounts (up to $3,500) after successful repayment, subject to eligibility and criteria. Interest rate 36.95% p.a. on outstanding balance. Establishment fee $400. Comparison rate 49.15% p.a.* *For a $2,500 loan over 24 months. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.