Personal loan FAQs

You can apply if you are at least 18 years of age and have an Australian residential address.

A variable rate loan gives you flexibility, as you can pay extra off your loan and request to redraw those extra payments if and when you need them¹.

A fixed rate loan gives you the security of knowing what your repayments are and protects you against interest rate rises for the life of the loan. A loan discharge fee applies to both fixed and variable personal loans if the loan is fully repaid before the end of the loan term.

For more information, please refer to the following booklets:

• Secured and Unsecured Personal Loans
• Personal Loan Fees and Charges

You can use a Personal Loan for a range of personal purposes including buying a new car, going on a holiday or consolidating your debts.

For a Secured Personal Loan, you can apply for a loan between $3,000 to $80,000

For an Unsecured Personal Loan, you can apply for a loan between $2,000 to $50,000

For an Unsecured Personal Overdraft, you can apply for a loan between $500 to $20,000

It usually takes less than 15 minutes to complete your application online. Once we receive your completed online application, you will receive a response within 60 seconds².