Help & support
You’ll pay no fees for making additional repayments, which can help you save interest and pay off your loan sooner.
Get your personalised rates in minutes without affecting your credit score.
Not sure which loan is right for you? Check out our other personal loan options
Some additional fees, including a late-payment fee and other electronic banking fees, may also apply. See more
To be eligible to apply for a personal loan you must:
During the application process, we may ask you for some documents. These may include:
How do fixed and variable rate personal loans differ?
What you’ll need when applying for a Personal Loan
This guide doesn’t consider your individual objectives, financial situation or needs. Before basing any decisions on this information, please consider:
1 You may be eligible for same day funding if you’re approved, accept your contract and complete verification by 4pm Monday to Friday (Sydney/Melbourne time). Subject to credit checks and assessment of your financial situation. Unavailable if an application is incomplete or needs to be referred for a more detailed review by a lending specialist, if required documentation isn’t provided and subject to system availability.
Applications for finance are subject to the Bank’s normal credit approval. View the Personal Loan Terms and Conditions. Full terms and conditions will be included in our loan offer. Fees and charges are payable.
Unsecured Variable Rate Personal Loan interest rate ranges and the representative rate are set out below. Comparison rates and examples are based on a $30,000 unsecured variable rate loan over 5 years:
2 Interest rates at the lower end of our range, for example 8.25% p.a. (comparison rate 9.64% p.a.), may be offered to customers with an excellent credit history.
An excellent credit history is determined by, among other things, paying your bills and making loan repayments on or ahead of time, being disciplined with your credit applications, and not overextending yourself financially.
Actions which can negatively impact your credit history include missing bill or loan repayments, defaulting on your credit facility, or making a large number of credit applications in a short period of time. You can find out more about how your credit score is calculated and tips for improving your credit score at our Credit Score Information Hub.
3 At least half of our approved customers will receive the representative rate or lower.
Your interest rate may be different and is based on a number of factors, including your credit history, the information you provide and our assessment of your application. We'll confirm your interest rate upon submission of your application.
** The comparison rate is based on a $30,000 unsecured variable rate loan over 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.
* Eligibility criteria, terms and conditions apply. Visit our Personal Loans page to find out more about the energy-efficient discount.
An upfront fee of $250 and ongoing monthly fee of $15 will apply - consider these fees when deciding whether this loan suits your needs
^^ Our repayment calculator will estimate your repayments based on the Bank’s representative rate and your selected loan amount, loan term and loan type.
Calculations are not a quote or pre-approval. Your actual interest rate and repayment amount will depend on a range of factors including the information you provide and our assessment of your application. We'll tell you your actual interest rate and repayment amount if we approve your application. You can then decide whether to accept our offer.
Terms and conditions, fees and charges and credit criteria apply.
