When you get a loan phone, a deposit will apply that can be paid by EFTPOS or credit card. The deposit will be refunded to the same EFTPOS or credit card on the return of the working loan phone and accessories.
Most stores will have the choice of a premium or basic loan device.
Some stores may not require a deposit, but a charge of $150 will apply if the device is damaged or not returned. A $29.95 charge also applies for damaged or lost accessories.