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Personal Personal loans

COMPARE PERSONAL LOANS

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

Considering your personal loan options? Save 2% p.a. off an Unsecured Fixed Rate Personal Loan when you apply and fund by 28 March 2021.

Fixed Rate
Personal Loan

Variable Rate
Personal Loan

Apply online

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

Apply now

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 now

or

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

Apply now

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply now

New customer or don't bank online with us?

Apply now

or

Interest rates

Range: 9.50% p.a. to 16.50% p.a.
(Usually 11.50% p.a. to 18.50% p.a.#)
Representative rate^: 11.50% p.a.
(Usually 13.50% p.a.#)

Range: 11.50% p.a. to 18.50% p.a.
Representative rate: 13.50% p.a.^

Comparison rate1

Range: 10.40% p.a. to 17.35% p.a.
(Usually 12.38% p.a. to 19.34% p.a.#)
Representative rate^: 12.38% p.a.#
(Usually 14.37% p.a.#)

Range: 12.38% p.a. to 19.34% p.a.
Representative rate: 14.37% p.a.1

Terms available

1-7 years

1-7 years

Loan amount

$4,000-$50,000

$4,000-$50,000

Repayment frequency

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

Fees may apply

Late payment fee3

Settlement cheque fee4

$20

2 free

$20

2 free

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 now

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 now

or

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

Apply now

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 now

or

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

Apply now

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 now

or

Interest rates

Range: 9.50% p.a. to 16.50% p.a.
(Usually 11.50% p.a. to 18.50% p.a.#)
Representative rate^: 11.50% p.a.
(Usually 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: 10.40% p.a. to 17.35% p.a.
(Usually 12.38% p.a. to 19.34% p.a.#)
Representative rate^: 12.38% p.a.#
(Usually 14.37% p.a.#)

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-$100,000

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

2 free

 

We can help

Call 13 1431 8am - 8pm (Sydney/Melbourne time)

Your questions answered >

Visit your nearest branch >

Things you should know

#Apply and fund a new Unsecured Fixed Rate Personal Loan by 28 March 2021 to receive a 2% p.a. discount on your approved interest rate.

^ 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.

  1. 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
  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.