COMPARE PERSONAL LOANS

Things you should know

^ Apply and fund a new Unsecured Fixed Rate Personal Loan by 20 December 2019 to receive a 2% p.a. discount on your approved interest rate (normally starting from 12.99% p.a.).

Fixed interest rate and comparison rate calculations are inclusive of the 2% discount – Offer Ends 20 December 2019

^~ 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.