hey skylinedrifter....if ure gonna apply for a loan, don't go thru westpac, they're tight. I applied for a $7K loan with commonwealth bank and it was too easy. I only earn bout $800 a month, plus i been rejected for phone contracts and whatnot.
If you don't have anything hardcore on your record, i'd say you'd be ok.
Oh yeah, if u got a credit card, that would make things easier too.
go nuts