Personal Loans

Personal loans

Find the right personal loan for your needs and apply online.

I would like to...

Debt consolidation

You can use an unsecured personal loan to combine balances from other loans and credit cards into one loan. This might be useful if you want to:

  • Simplify your debt with one interest rate and regular repayment
  • Only pay one set of fees
  • Set and work towards an end-date for your debt.

Note: debt consolidation is only beneficial in some circumstances. Carefully consider if it's right for you before applying.

Unsecured personal loans

Buy a car

We offer two loan types you can use to buy a car. With an unsecured personal loan, you can borrow up to $40,000 without offering your car as security. Alternatively, a secured personal loan lets you offer your car as security to borrow up to $80,000 at a lower interest rate.

With both loans, you can:

  • Choose to make repayments weekly, fortnightly or monthly
  • Set a loan term between 1 and 7 years to suit your budget
  • Select a fixed interest rate for predictable repayments or a variable rate with the option of repaying early with fewer fees.

     
Secured personal loans
Unsecured personal loans

Buy something else

Looking to renovate, go on holiday, or fund an event? There are many ways you can use a personal loan. With an unsecured personal loan, you can borrow up to $40,000 without offering your car as security. Alternatively, a secured personal loan lets you offer your car as security to borrow up to $80,000 at a lower rate.

With both types of loan, you can:

  • Choose to make repayments weekly, fortnightly or monthly
  • Set a loan term between 1 and 7 years to suit your budget
  • Select a fixed interest rate for predictable repayments or a variable rate with the option of repaying early with fewer fees.

 

Secured loans
Unsecured loans

Get Set Loan

Our Get Set Loan is an ongoing line of credit that you can use as you go, making it useful for projects such as home renovations or long-term event planning. Get Set lets you:

  • Withdraw what you need as you need it from a dedicated account up to the full credit limit
  • Access money through your Complete Freedom account, using internet banking or mobile banking
  • Pay interest only on what you use, rather than the full credit limit.

 

Get Set loans

Personal overdraft

Want to know the money’s there in case you need it? We hear you.

You can link a personal overdraft to your Complete Freedom account. If your balance can’t cover an unexpected expense, you can then still draw funds from the account up to a pre-approved credit limit.

Personal overdrafts

Manage your personal loan

Information and guides to help you make the most of your personal loan. Learn to manage your loan, change repayment due dates and help minimise the fees you pay.

Tools and calculators

Interactive online services to help you choose your loan and understand how it works. Compare loan features and interest rates, calculate your borrowing power and estimate repayments.

Articles and FAQs

Want to know more about what your personal loan could do for you? Learn from our selection of content to make the most of your loan’s features and capabilities.

Credit criteria, fees, charges, terms and conditions apply.

Interest rates may change and margins may apply in some circumstances. The interest rate may vary based on the value of the car you offer as security.

The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it's right for you. Read the relevant product disclosure documents as well as the Online Banking Terms and Conditions (PDF 1MB) before making a decision and consider whether the product is appropriate for you. If you need help, call 13 22 66.

Note: you must draw down on your Get Set loan within 60 days of its approval or your loan account will be closed.

^ Comparison rates help you understand the true cost of a loan. They usually include the annual interest rate plus most fees and charges. The above comparison rates are based on an unsecured personal loan of $30,000 over 5 years and are only true for this example. Interest rate ranges and representative examples are: Based on an unsecured loan of $30,000 borrowed for 5 years with the minimum interest rate of 10.99% p.a. (11.88% p.a. comparison rate), the estimated total amount payable including fees is $39,922; and with the maximum interest rate of 19.99% p.a. (20.84% p.a. comparison rate), the estimated total amount payable including fees is $48,529. WARNING: This comparison rate applies only to the example or examples given and may not include all fees and charges. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan .