Loan from Revolut? Here's How to Get Approved Fast (2026)

In today's ever-evolving financial landscape, finding the right loan can be a daunting task. You're probably wondering if you can secure a loan from Revolut, especially when faced with the myriad of options available. With numerous lenders like Esteb and Co offering access to over 83+ lenders, which path should you choose? Let's unravel this for you.

Understanding Loans from Revolut

Revolut, a digital banking service, has been a game-changer in how Australians manage their finances. Known for its sleek app interface and innovative financial products, Revolut has expanded its offerings beyond just banking. However, when it comes to loans, the landscape is a bit different.

As of 2026, Revolut offers a range of financial products, but their loan offerings in Australia are still limited compared to traditional banks or specialised lenders. Revolut loans are primarily personal loans, designed for flexibility and ease of use, but they may not always cater to everyone's needs, especially for larger financial commitments like home loans.

Current Loan Rates and Options

Let's dive into the specifics of what Revolut currently offers, and how it compares to other lenders in the market, including those accessible through Esteb and Co’s extensive network.

Revolut’s personal loans come with competitive interest rates, generally ranging from 6.49% to 12%. However, they focus on personal loans, which may not suit someone looking for a home loan or an investment loan. This is where leveraging the 83+ lender panel through Esteb and Co can be advantageous, as you can access a broader range of loan products, each tailored to different financial objectives.

Steps to Secure a Loan from Revolut

If you're considering a loan from Revolut, here's a step-by-step guide to help you through the process:

1. Download the App: Start by downloading the Revolut app from your preferred app store. You’ll need to set up an account if you haven’t already.
2. Check Eligibility: In the app, navigate to the loans section and use the eligibility checker. This tool will give you an idea of what you might qualify for based on your financial situation.
3. Choose Loan Amount and Term: Decide how much you need to borrow and for how long. Revolut will show you the potential repayment terms.
4. Submit Your Application: Fill out the necessary details and submit your application through the app. Ensure all information is accurate to avoid delays.
5. Review the Offer: If approved, you’ll receive a loan offer with the terms and conditions. Review these carefully before accepting.
6. Accept and Receive Funds: Once you accept the offer, the funds will be transferred to your Revolut account, ready for you to use.

Expert Tips and Considerations

While Revolut offers a streamlined process, here are some expert tips to consider:

• Compare Options: Use the flexibility of Esteb and Co's network to compare Revolut’s offer with other lenders. This ensures you get the best rate and terms possible.
• Understand the Fees: Be aware of any hidden fees or charges that might apply to your Revolut loan. Read the fine print carefully.
• Consider Your Credit Score: While Revolut’s eligibility checker is useful, remember that your credit score will influence your interest rate and loan approval chances.
• Plan Your Repayments: Ensure you have a clear repayment plan in place. Missing payments can affect your credit score and financial health.
• Seek Professional Advice: If you're unsure, consulting a financial advisor or mortgage broker like those at Esteb and Co can provide tailored guidance.

Frequently Asked Questions

1. Can I get a home loan from Revolut? Currently, Revolut primarily offers personal loans. For home loans, consider exploring options through a lender network like Esteb and Co.
2. What is the maximum amount I can borrow from Revolut? The maximum amount varies based on your creditworthiness and other factors. Check the app for specific limits applicable to your profile.
3. How long does it take to receive funds from a Revolut loan? Typically, once approved, funds are transferred to your Revolut account within a few hours to a few days.
4. Are there penalties for early repayment with Revolut loans? Revolut generally does not charge penalties for early repayment, but verify the terms in your loan agreement.
5. Can I refinance my existing loan with Revolut? Currently, Revolut does not offer refinancing options. For refinancing, consider other lenders within Esteb and Co’s network.
6. What is the interest rate range for Revolut loans? Revolut offers loans with interest rates ranging from 6.49% to 12%, depending on your credit profile and other factors.
7. How can I improve my chances of getting a loan from Revolut? Improving your credit score, ensuring stable income, and maintaining a good financial history can enhance your eligibility.

In summary, while Revolut offers an innovative approach to personal loans, leveraging the comprehensive resources available through platforms like Esteb and Co can provide you with greater flexibility and choice, ensuring you find the loan that best suits your needs.