BSB 805 050

To give you the best possible experience, this site uses cookies. Learn more about cookies.

×
BSB 805 050

Personal Loans

Whether you want to buy a new car, go on a holiday, renovate your home or refinance an existing loan, we can help you get the personal loan that’s right for you, with competitive interest rates, fast pre-approval and no monthly fees.

Choose the product that fits you

Compare Our Products

Product Summary

Interest Rate

Comparison Rate

What do I get?

Available Loan Size

Loan Term

Rate Type

Extra Repayments

Redraw Facility

Repayment Frequency

Application Fee

Ongoing Fees

Termination / Early Repayment Fees

Loan Protection

Acceptable Security

Loan Purpose

 

A personal loan to help you buy or refinance a car at a low rate

Interest Rate

 5.64% p.a.1

 

Comparison Rate

5.99% p.a.*

What do I get?

Low flexible discounted rate, no ongoing fees, available for purchasing a car or refinancing a car loan using the same motor vehicle as security.

Available Loan Size

$20,000+ lower loan amounts available, higher rates apply - refer to the Discounted Personal Loan.

Loan Term

Up to 10 years4

Rate Type

Fixed for the first 5 years, then reverts to standard variable rate(currently 11.55% p.a.)

Extra Repayments

Redraw Facility

5

Repayment Frequency

Weekly, Fortnightly or Monthly

Application Fee

$250

Ongoing Fees

Termination / Early Repayment Fees

Loan Protection
Acceptable Security

Cars up to 2 years of age1

Loan Purpose

Purchase or refinance a car

Remove

A low rate, secured personal loan that can be arranged to help you for almost any purpose

Interest Rate

7.99% p.a.2

Comparison Rate

8.35% p.a.*

What do I get?

Low flexible discounted rate, no ongoing fees with lower rates available when using a motor vehicle, motor cycle, or caravan as security

Available Loan Size

$10,000+

Loan Term

Up to 10 years4

Rate Type

Fixed for the first 5 years, then reverts to standard variable rate(currently 11.55% p.a.)

Extra Repayments

Redraw Facility

5

Repayment Frequency

Weekly, Fortnightly or Monthly

Application Fee

$250

Ongoing Fees

Termination / Early Repayment Fees

Loan Protection
Acceptable Security

New Cars, Used Cars, Motorbike or Caravan or Term Deposit/Savings

Loan Purpose

New Cars, Used Cars, Motorbike, Caravan, Travel, Boat, Refinance, Debt Consolidation or any other worthwhile purpose

Remove

A low rate personal loan with a fixed rate for the life of your loan and the flexibility of no required security

Interest Rate

9.99% p.a.3

Comparison Rate

11.74% p.a.#

What do I get?

Flexible low rate unsecured loan with no ongoing fees, which is available for almost any purpose

Available Loan Size

$2,000+

Loan Term

Up to 7 years

Rate Type

Fixed

Extra Repayments

Redraw Facility

5

Repayment Frequency

Weekly, Fortnightly or Monthly

Application Fee

$250

Ongoing Fees

Termination / Early Repayment Fees

Loan Protection
Acceptable Security

N/A

Loan Purpose

Any worthwhile loan purpose

Remove

An unsecured flexible loan with no ongoing fees, which is available for almost any purpose

Interest Rate

13.99% p.a.3

Comparison Rate

15.78% p.a.#

What do I get?

A personal loan with a fixed rate for the life of your loan and the flexibility of no required security

Available Loan Size

$2,000+

Loan Term

Up to 7 years4

Rate Type

Fixed

Extra Repayments

Redraw Facility

5

Repayment Frequency

Weekly, Fortnightly or Monthly

Application Fee

$250

Ongoing Fees

Termination / Early Repayment Fees

Loan Protection
Acceptable Security

N/A

Loan Purpose

Any worthwhile loan purpose

Remove

What you need to know

When you apply for a loan, please have this information handy:

  • Income details – pay slips, child support, pensions, overtime, allowances, rental income, commissions etc
  • Expense details – utility bills, rent, board, loan repayments, credit and store cards, maintenance, lease payments etc
  • Asset information – cash savings, value of motor vehicles, shares, bonds, property, furnishings etc
  • Residential and employment details for the last three years
  • Australian driver’s licence number and expiry

Most popular questions...

Personal Loan Calculators

Need to organise your finances to prepare for a loan? Take a look at our range of calculators below. Alternatively, get in touch with one of our Financial Planners.

See all financial calculators

How long will it take to pay back my loan?

Calculate how long it will take you to pay off your loan.

Loan term calculator

What will my repayments be?

Enter the loan details on the first page of our Personal Loan application and you can see the repayment amount at the top of the page. 

Repayment calculator

1 A Discounted Personal Loan (Car Loan) may be used to purchase or refinance a car up to 2 years old from year of manufacture (currently from 2016) which must be used as security for the Car Loan.
2 Secured by a vehicle which is less than 7 years old. As your interest rate will be based on various factors such as your loan criteria and our assessment of your application, a different rate may apply if the vehicle used as security is more than 7 years old. We will confirm the specific details of your loan, including your actual interest rate and repayment amounts in your loan offer document.
3 As your Unsecured Personal Loan interest rate will be based on various factors such as your loan criteria and our assessment of your application, a different rate may apply to your loan. We will confirm the specific details of your loan, including your actual interest rate and repayment amounts in your loan offer document.
4 Fixed for 5 years then reverts to our standard variable rate (currently 11.55% p.a.) for remaining term.
5 Minimum redraw amount is $1,000.
6 The monthly fee exemption does not cover rejected BPAY® transactions and declined electronic transactions, which will incur additional fees.

Terms, conditions, fees, charges and lending criteria apply and are available on application.

* Comparison rates are based on a secured loan of $30,000 with monthly repayments over a term of 5 years. 
# Comparison rates are based on an unsecured loan of $10,000 with monthly repayments over a term of 3 years.  
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

The information above is general advice only and does not take into consideration your personal objectives, financial situation or needs (“your personal circumstances”). Please consider the relevant Disclosure Documents and your personal circumstances before making any decision to purchase the products. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.

We'd like to use your current location

For a more personalised experience please enter your location below...

×

Change your location

×