Compare personal loans

I need a loan and want to compare 2 For our Secured Car Loan and Unsecured Personal Loan, an early repayment fee applies if you close the loan within the first two years.  
Types of personal loans Secured Car Loan
Use your car as security to borrow at a great fixed rate. 1 Cars and motorcycles used as security must be valued at least $10,000 or be less than seven years old.
Unsecured Personal Loan
Borrow at a competitive fixed rate with no security needed.
Select to compare
Rates and fees
Interest rates 6.99% p.a. 3 Available on applications unconditionally approved between 24 May 2021 and 31 October 2021. Fees, charges and T&Cs apply. Rates are subject to change.
Promotional fixed rate

7.34% p.a.
Comparison rate
Understand the comparison rate
8.99% p.a. 4 Unsecured personal promotional fixed rate is available on applications unconditionally approved between 6 September 2021 and 30 June 2022. Fees, charges and T&Cs apply. Rates are subject to change.
Promotional fixed rate

9.33% p.a.
Comparison rate
Understand the comparison rate
Monthly maintenance fees $5 $5
Early repayment fees 2 For our Secured Car Loan and Unsecured Personal Loan, an early repayment fee applies if you close the loan within the first two years. $250 – first 24 months $250 – first 24 months
Late payment fee   $25 $25
Features
Repayment frequencies Weekly, fortnightly or monthly Weekly, fortnightly or monthly
Minimum loan amount $10,000 $3,000
Maximum loan amount $100,000 $50,000
Loan terms 3 to 7 years 3 to 7 years
Surplus payment redraw option Yes Yes
Secured Car Loan
Use your car as security to borrow at a great fixed rate. 1 Cars and motorcycles used as security must be valued at least $10,000 or be less than seven years old.
6.99% p.a. 3 Available on applications unconditionally approved between 24 May 2021 and 31 October 2021. Fees, charges and T&Cs apply. Rates are subject to change.
Promotional fixed rate

7.34% p.a.
Comparison rate
Understand the comparison rate
$5 $250 – first 24 months $25 Weekly, fortnightly or monthly $10,000 $100,000 3 to 7 years Yes
Unsecured Personal Loan
Borrow at a competitive fixed rate with no security needed.
8.99% p.a. 4 Unsecured personal promotional fixed rate is available on applications unconditionally approved between 6 September 2021 and 30 June 2022. Fees, charges and T&Cs apply. Rates are subject to change.
Promotional fixed rate

9.33% p.a.
Comparison rate
Understand the comparison rate
$5
$250 – first 24 months $25 Weekly, fortnightly or monthly $3,000 $50,000 3 to 7 years Yes

Rates are subject to change. Other fees and charges might apply. A full list of fees will be included in your personal loan contract.

What’s the comparison rate?
It’s a tool that can help you identify the truer cost of a loan. It’s calculated using a standard formula that includes the interest rate, as well as certain fees and charges relating to a loan (not all fees and charges are included).

Comparison rate warning:
Comparison rates for secured and unsecured personal loans are based on a loan amount of $30,000 over 5 years. WARNING: The comparison rate applies only to the example or 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.

Representative example of total loan cost: For a Secured Car Loan of $30,000 borrowed over a 5-year term at 6.99% p.a. (7.34% p.a. comparison rate) the total amount payable is $35,933.40 including interest and fees. For an Unsecured Personal Loan of $30,000 borrowed over a 5-year term at 8.99% p.a. (9.33% p.a. comparison rate) the total amount payable is $37,656.60 including interest and fees. These examples are estimates only and assume all repayments are made on time.

Select 2 or more to compare

Get an idea of your personal loan repayments

Your personal loan contract is made up of the Personal Loan Schedule and the Personal Loan terms and conditions booklet (PDF).

Need help choosing a personal loan?

Speak with someone from the team today.

  1. Cars and motorcycles used as security must be valued at least $10,000 or be less than seven years old.
  2. For our Secured Car Loan and Unsecured Personal Loan, an early repayment fee applies if you close the loan within the first two years.
  3. Available on applications unconditionally approved between 24 May 2021 and 31 October 2021. Fees, charges, terms and conditions apply. Rates are subject to change.
  4. Unsecured personal promotional fixed rate is available on applications unconditionally approved between 6 September 2021 and 30 June 2022. Fees, charges and T&Cs apply. Rates are subject to change.