Business Application Process FAQ’s

What do I need to have ready before I apply?

Your details:
Personal details, such as name, contact number and email address.

Business details:

  • Registered Australian Business Number (ABN). 
  • Total annual sales.
  • Website URL and e-commerce platform (if online).
  • Main business address and business contact number.

All relevant business information to help us determine whether the business is eligible.

Director details:

  • Director’s name
  • Address 
  • Contact details

A form of ID such as a Driver’s Licence or Passport will be needed to verify identity and confirm association with the business.
How do we become a merchant?
If you've been registered and operating for a minimum of 12 months, you're eligible to apply as a Freedom Money Merchant.

Once submitted, please allow up to 48 Hours for our team to assess the application. We will then be in contact with you.

Once you are approved, we will send you a merchant services agreement. Once completed we will provide training to your staff.

Why Freedom Money?

  • No merchant fees or ‘holdbacks’
  • Same day payment on fulfilled orders
  • Loan terms from 6 to 60 months
  • Fully dedicated customer service desk
  • Competitive interest rates
  • Fast, easy online application process
  • Loan approvals within the hour during business hours

Why was my application declined?
When assessing the suitability of our new partners, we check the following but are not limited to:

  • Registered ABN
  • Length of time trading
  • Annual Sales
  • Overall business risk
  • Customer Feedback
  • Product
  • Insolvency

Please call if you would like to discuss why your application was declined on 1300 261 641.
What merchant fees do Freedom Money charge?
There are no set up costs, ongoing fees or lock-in contracts. It’s free to sign up and give Freedom Money a go for your business.

Do I need to sign a Direct Debit Request?
Yes, we make you sign a direct debit agreement in case of situations such as refunds that may take place after all Freedom Money orders have been settled. You can find the direct debit agreement here.

Merchant Portal FAQs

How do I order instore POS material?

  • Log in to the Dashboard
  • Select POS documents
  • Select from ‘Existing order’ or ‘New Order’.

Why can't I log in?
We recommend that you use Google Chrome as the browser. If you are using an alternative, this may be the reason why you are unable to log in. If you are still experiencing difficulties after changing over, we recommend you clear your cache and cookies through your Chrome browser.

If you continue to experience issues, please send an email to us with a screenshot of the error to or call us on 1300 261 641.
How do I update my bank details?
To update your payment details, please send an email with your request to our team on
Upon receiving your request, we'll provide you with a form to complete, advising us of the change. 

What does the 'Order Status' mean?
Your online portal enables you to track the progress of all of your customers’ loan applications. The following terms are used in ‘Order Status’:  

  • Link sent:
    • ‚ÄčApplication has been sent to customer.
  • In Progress: 
    • The customer has started the application/order, but they haven't yet completed it.
  • ‚ÄčUnder Review: 
    • The customer's application is being reviewed by our team. The customer will be sent an email with the outcome within 60 minutes of submitting the application during working hours.
  • Pending: 
    • The customer has been approved but they have not yet accepted their contract. To do so, they need to log in to their application and accept the Terms & Conditions.
  • Pending Merchant Acceptance: 
    • The order has been approved by Freedom Money and authorised by the customer. If the goods or services are ready to be given to the customer, login to the dashboard and select ‘complete the order’.
  • Completed: 
    • The order is completed and the goods/services have been given to the customer. You will receive your disbursement for the order the following business day.
  • Refunded: 
    • The order has been refunded.
  • Cancelled: 
    • The order has been cancelled. 
  • Declined: 
    • Freedom Money has declined the purchase. In this case, the customer should use another payment method.


API Integration FAQs

Download the API documentation.

Payment FAQs

When will I receive payment?
We pay all disbursements within a 24 hour period on customer confirmation that the goods or services have been delivered or installed.

Refunds will be deducted from the next disbursement or direct debit if no new business has been received within 30 days.

Customer FAQ’s

How do customers apply for a Freedom Money loan?

  • Apply Now
  • The application takes 5-10 minutes to complete
  • Current ID required: either passport, driver’s licence or 18+ Card.
  • Currently working either self-employed or PAYG
  • Not currently insolvent or under a Part IX Agreement
  • Is a Australian Citizen or Permanent Resident
  • How do Customers make payments to Freedom Money?
    • Direct Debit
    • B-Pay
    • EFT

How to avoid common application mistakes

  • Customers must complete the bank statements link at the end of the application in order for us to process the application in a speedy manner
  • Living expenses are not to be included with credit cards and other loans
  • Income is Net income

How do I get in contact with FreedomMoney?

Advertising FAQs

Marketing Material
All advertising and marketing campaigns must be submitted to Freedom Money for approval before any campaign is launched live.


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