Show the source and the pattern
For a Lendeka application, prepare recent income evidence and the most recent three months of bank statements where available. Payslips can help explain employment income; the statements help show money received. Neither a single deposit nor a document on its own guarantees acceptance.
If your income varies
Prepare a clear explanation of regular earnings, seasonal changes and one-off deposits. Keep the supporting records relevant to that source. Do not present borrowed money, an account transfer or a once-off sale as recurring income. Additional evidence may be requested.
If you are paid weekly or fortnightly
Lendeka’s displayed repayment terms are monthly. Check whether the actual dates would fit how you are paid. Do not assume that a monthly average means money will be available on the due date. Income-source eligibility is confirmed during assessment; this checklist does not promise acceptance for self-employed applicants or any particular income type.
If you do not have a requested document
Ask the verified application service which alternative evidence it can consider. Do not edit a statement or pay someone to create a payslip. This website does not accept document uploads.
Read the requirements and check the repayment against your budget.