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. Apply in NetBank Learn more	Get a competitive rate and have the flexibility to make additional repayments without a fee. Apply in NetBank Learn more	Using your car as security, you can borrow at a lower rate with a secured car loan. Apply in NetBank Learn more
Interest rates	Range: 11.50% p.a. to 18.50% p.a. Representative rate: 13.50% p.a.^	Range: 11.50% p.a. to 18.50% p.a. Representative rate: 13.50% p.a.^	Range: 6.99% p.a. to 9.99% p.a. Representative rate: 7.99% p.a.^
Comparison rate¹	Range: 12.38% p.a. to 19.34% p.a. Representative rate: 14.37% p.a.¹	Range: 12.38% p.a. to 19.34% p.a. Representative rate: 14.37% p.a.¹	Range: 8.05% p.a. to 11.03% p.a. Representative rate: 9.04% p.a.¹
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
Features Additional repayments allowed² Redraw available funds Apply online, over the phone or in a branch
Repayment methods Direct debit Salary credit NetBank Branch Telephone
Fees & charges Establishment Fee Loan Service Fee	$150 $10	$150 $10	$250 $10
Fees may apply Late payment fee³ Settlement cheque fee⁴	$20 2 free	$20 2 free	$20 N/A

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Things you should know

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

Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your interest rate in your loan offer document.

Comparison rates calculated on loans as follows:
- For Variable Rate Personal Loans and Fixed Rate Personal Loans: the comparison rate is based on a $30,000 unsecured loan over 5 years;
- For Secured Car Loans: the comparison rate is based on a $30,000 secured 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
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.
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.
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.