Help us improve our website by completing a quick survey. Start survey now

You’ll need to update your browser so you can continue to log on to your online banking from 28th February. Update now.

Close

COMPARE PERSONAL LOANS

Compare our Variable Rate Personal Loan, Fixed Rate Personal Loan and Secured Car Loan.

Fixed Rate
Personal Loan

Variable Rate
Personal Loan

Secured Car Loan

Apply online

The interest rate and repayment amounts are set for the life of the loan.

or

Already a customer banking online with us?

Save time by using your NetBank details.

 

Apply in NetBank

New customer or don't bank online with us?

Apply online

or

Get a competitive rate and have the flexibility to make additional repayments without a fee.

or

Already a customer banking online with us?

Save time by using your NetBank details.

 

Apply in NetBank

New customer or don't bank online with us?

Apply online

or

Using your car as security, you can borrow at a lower rate with a secured car loan.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply online

or

Interest rates

From 12.99% p.a.
for a 5 year loan~

From 13.90% p.a.

From 8.49% p.a.

Comparison rate1

From 13.86% p.a.
based on an unsecured
$30,000 loan over 5 years

From 14.77% p.a.

From 9.54% p.a.

Terms available

1-7 years

1-7 years

1-5 years

Loan amount

$4,000-$50,000

$4,000-$50,000

$10,000 or more

Repayment frequency

Weekly, fortnightly or monthly

Weekly, fortnightly or monthly

Weekly, Fortnightly or Monthly

Loan protection insurance
Additional repayments allowed2
Redraw additional repayments
Apply online, over the phone or in a branch
















Direct debit
Salary credit
NetBank
Branch
Telephone


 
 
 
 
 


 
 
 
 
 







Establishment Fee

Loan Service Fee

$150

$10

$150

$10

$250

$10

Late payment fee3

Settlement cheque fee4

$20

2 free

$20

2 free

$20

N/A

Things you should know

~ The “from” rate may be different for other loan terms. View our full range of 1-7 year Fixed Rates >

The Secured Car Loan will be referred to as Fixed Rate Personal Loan on contract documentation. 

  1. Comparison rates calculated on loans as follows:
    • For Variable Rate Loans: comparison based on an unsecured $30,000 loan over five years;
    • For Fixed Rate Loans: for loan terms of 1 to 3 years, comparison based on an unsecured $10,000 loan over 3 years. For loan terms of 4 to 7 years, comparison based on an unsecured $30,000 loan over 5 years;
    • For Secured Car Loans: comparison based on a secured $30,000 loan over 5 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.
  2. Additional repayments on Fixed Rate and Secured Car Loans are subject to a maximum of $1,000 per year without a fee. View the Personal Loan Terms and Conditions (PDF 284k). Additional repayments made on a Fixed Rate and Secured Car Loan are not available to be redrawn.
  3. You will be charged a late fee of $20 when, 5 business days after a repayment due date, you are in arrears and monthly thereafter until you:
    (a) are not in arrears in your repayments/payments; or
    (b) enter into and adhere to an arrangement with us for repayment of those arrears.
  4. To make it easy for you to pay several different recipients with your loan borrowings, we provide two cheques free of charge. After that, a fee of $15 applies for each additional cheque we issue on your behalf.