The Bank's main determining factor for the approval of loans under the consumer loan scheme is the customer's ability to repay the loan. However, the Bank is also required to take adequate security for loans. Security for these loans must be in accordance with the Bank's general security requirements.

Acceptable security may include:

1. Certificate of Title;
2. Bill of sale on plant, vehicle, machinery and equipment;
3. Debenture on fixed and floating assets;
4. Fixed deposit
5. For loans of $6,000 and under, guarantors who are capable of paying the loan in case of default and who are normally expected to pledge some form of asset as security.
6. Vehicle and other insurance