Loans

  • Personal loans

    Buying a car, consolidating debt or just need extra funds? With same day funding*, you can apply online and get a response in 60 seconds.

    Alternatively, call us 8am to 7pm Monday to Friday and 9am to 2pm on Saturday (Sydney/Melbourne time)

    Call 1800 785 659

    See all personal loans options

  • Home loans

    Buying a home or investment property? With a range of home loans and expert lenders, we can help you find a flexible loan that's right for you.

    Call our Home Lending Specialists 8am - 8pm, any day.

    Call 1800 006 736

    See all home loan options

Things you should know

  • * 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.

    Unsecured Fixed 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 fixed rate loan over 5 years:

    • Interest rates range from 8.50%1 p.a. to 20.50% p.a. (comparison rate from 9.53% p.a. to 21.39% p.a.). The estimated total amount payable including fees is between $37,830 and $49,091
    • The representative rate is 16.00%2 p.a. (16.94% p.a. comparison rate), based on this representative rate the estimated total amount payable including fees is $44,673

    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:

    • Interest rates range from 8.50%1 p.a. to 20.50% p.a. (comparison rate from 9.89% p.a. to 21.79% p.a.). The estimated total amount payable including fees is between $38,080 and $49,341
    • The representative rate is 16.00%2 p.a. (17.32% p.a. comparison rate), based on this representative rate the estimated total amount payable including fees is $44,923

    Secured Personal Loan interest rate ranges and the representative rates are set out below. Comparison rates and examples are based on a $30,000 secured loan over 5 years:

    • Interest rates range from 6.99%1 p.a. to 13.49% p.a. (comparison rate from 8.40% p.a. to 14.83% p.a.). The estimated total amount payable including fees is between $36,784 and $42,558
    • The representative rate is 8.99%2 p.a. (10.38% p.a. comparison rate), based on this representative rate the estimated total amount payable including fees is $38,506

    1 Interest rates at the lower end of our range, for example 8.50%/8.50%/6.99% p.a. (comparison rate 9.89%/9.53%/8.40% 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.

    2 At least half of our customers will receive the representative rate or lower. It may not be the actual rate you receive.

    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.

    Applications for finance are subject to 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. Commonwealth Bank of Australia ABN 48 123 123 124. Australian credit licence 234945.