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PERSONAL LOANS.
TAKE CONTROL OF YOUR NEXT STEP.

Save 1% p.a. on a Secured Car Loan. Offer ends 13 August.

Choose a personal loan

  • Fixed interest rate and repayments 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

  • Make extra 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

  • Pay a lower interest rate by using your car as security

Why take out a personal loan?

Car

Get on the road

Own that new or second-hand car sooner.

Home improvements

Improve your home

Get your upgrade underway sooner rather than later.

Debt Consolidation

Consolidate your debt

Steps to manage debts and stay on top of your finances.

We can help - call 13 14 31

We can help

Call 13 14 31 8am - 8pm (Sydney/Melbourne time)

Things you should know

Apply and fund a new Secured Car Loan by 13 August 2017 to receive a 1% p.a. discount on your approved interest rate. 

Apply before midday Monday to Friday, and if you’re approved, we’ll give you access to your loan that day. Unavailable for secured loans, when a guarantor is required, 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. Applications for finance are subject to the Bank's normal credit approval.

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

Unsecured personal loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on an unsecured loan of $30,000 borrowed for 5 years are as follows:

  • with the minimum interest rate for a variable rate loan of 13.9% p.a. (14.77% p.a. comparison rate) or with the minimum interest rate for a fixed rate loan of 12.99% p.a. (13.86% p.a. comparison rate), the estimated total amount payable including fees is $42,540 or $41,696 respectively; and
  • with the maximum interest rate for a variable rate or fixed rate loan of 18.9% p.a. (19.74% p.a. comparison rate), the estimated total amount payable including fees is $47,344.

The Comparison rate is 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 Loan: comparison based on a secured $30,000 loan over 5 years.

WARNING: These comparison rates apply only to the 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.

^ Additional repayments made on a Fixed Rate Loan are not available to be redrawn.