Personal Loans
Personal loans
Find the right personal loan for your needs and apply online.
Unsecured Personal Loan
General purpose - car, renovate, consolidate debt or something else.
- From 11.49% p.a. (comparison rate 12.57% p.a.^)
- Borrow $2,000 - $50,000
- Fixed or variable rate options
- Have a set end-date to your repayments
Secured Personal Loan
Use your car as security to get a lower rate (conditions apply1).
- Our new lower rate from 7.49% p.a. (comparison rate 8.60% p.a.^)
- Borrow $3,000 - $80,000
- Fixed or variable rate options
- A lower rate than our other personal loans2
Don’t want to access funds all at once? Our Get Set Loan and Personal Overdraft allows you to access funds as you need to, without having to reapply.
Unsecured Personal Loan fixed rate drop
Now from 11.49% p.a.
(comparison rate 12.57% p.a.^)
The fixed interest rate on our Unsecured Personal Loan has indeed dropped. And that’s got to help, whether you’re looking to fund that trip you’ve been thinking of, a set of wheels or something else.
Borrowing Power Calculator
Estimate how much you could borrow with our personal loans based on your income and expenses.
Personal Loan Repayment Calculator
Deciding between personal loans? This simple calculator helps you estimate what your repayments could be for our secured, unsecured, fixed and variable loans.
Car Loan Calculator
After a car loan in particular? Find out what the loan repayments could be for your next car with our Secured Personal Loan.
Personal Loan FAQs
Some useful information to help you when looking and applying for a personal loan
Help managing your personal loan
Already have a personal loan with us? Information, tips and guides to help you make the most of your personal loan.
Credit criteria, fees, charges, terms and conditions apply.
The information on our website is prepared without knowing your personal objectives, financial situation or needs. For this reason, you should read the product disclosure documents as well as the Internet and Phone Banking Terms and Conditions (PDF 236KB) before making a decision and consider whether the product is appropriate for you. If you need help, call 13 22 66.
Unsecured Personal Loan repayment terms range from 1 to 5 years for a fixed rate loan and 1 to 7 years for a variable rate loan. Interest rate ranges and representative examples are based on an unsecured loan of $30,000 borrowed for 5 years:
- with the minimum interest rate for a fixed rate loan of 11.49% p.a. (comparison rate 12.57% p.a.) or with the minimum interest rate for a variable rate loan of 12.99% p.a. (comparison rate 14.06% p.a.), the estimated total amount payable including fees is $40,555 or $41,932 respectively; and
- with the maximum interest rate for a fixed rate loan of 17.40% p.a. (comparison rate 18.44% p.a.), or with the maximum interest rate for a variable rate loan of 18.90% p.a. (comparison rate 19.93% p.a.), the estimated total amount payable including fees is $46,136 or $47,617 respectively.
^Comparison rates help you understand the true cost of a loan. The comparison rate is based on a Personal Loan with a loan amount of $30,000 and a term of 5 years. WARNING: This comparison rate applies only to the example or examples given. 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.
Secured Personal Loans interest rate may vary based on the value of the car you offer as security.
Secured Personal Loan Repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a secured loan of $30,000 borrowed for 5 years:
- with the minimum interest rate of 7.49% p.a. (comparison rate 8.60% p.a.), the estimated total amount payable including fees is $37,014
- with the maximum interest rate of 12.74% p.a. (comparison rate 13.81% p.a.), the estimated total amount payable including fees is $41,701.
- The range of loan purposes for a Secured Personal Loan consist of: boats, caravans, trailers; home improvements; household goods; motorcycle; new car; refinance and consolidate debt; travel and used car.
- To qualify for a lower interest rate, any motor vehicle offered as security must not be more than 12 years old upon loan expiry. The vehicle used as security must be registered under the applicant's name. Whether purchasing new or refinancing a used car, the vehicle has to have been imported to Australia by the manufacturer, and all the lending criteria met.