COMPARE PERSONAL LOANS

Considering your Personal Loan options? Compare our Fixed Rate Personal Loan, Variable Rate Personal Loan and Secured Personal Loan.

	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 Apply in NetBank Apply now Learn more	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 Apply in NetBank Apply now Learn more
Interest rates	Range: 8.00%* p.a. to 20.00% p.a. Representative rate: 15.50%^ p.a. Discounted fixed rate for eligible energy-efficient purchases, range: 7.00% p.a. to 8.00% p.a.	Range: 8.50%* p.a. to 20.50% p.a. Representative rate: 16.00%^ p.a. Discounted variable rate for eligible energy-efficient purchases, range: 7.50% p.a. to 8.50% p.a.
Comparison rate¹	Range: 9.40% p.a. to 21.30% p.a. Representative rate: 16.83%^ p.a. Comparison rate for eligible energy-efficient purchases, range: 8.41% p.a. to 9.40% p.a.	Range: 9.89% p.a. to 21.79% p.a. Representative rate: 17.32%^ p.a. Comparison rate for eligible energy-efficient purchases, range: 8.90% p.a. to 9.89% p.a.
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	$250 $15	$250 $15
Fees may apply Late payment fee³ Settlement cheque fee⁴	$20 2 free	$20 2 free

	Fixed Rate Personal Loan	Variable Rate Personal Loan	Secured 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 Apply in NetBank Apply now Learn more	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 Apply in NetBank Apply now Learn more	You could unlock a lower rate by using the car you’re buying or a car you own outright as security. 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 Apply in NetBank Apply now Learn more
Interest rates	Range: 8.00%* p.a. to 20.00% p.a. Representative rate: 15.50%^{^} p.a. Discounted fixed rate for eligible energy-efficient purchases, range: 7.00% p.a. to 8.00% p.a.	Range: 8.50%* p.a. to 20.50% p.a. Representative rate: 16.00%^ p.a. Discounted variable rate for eligible energy-efficient purchases, range: 7.50% p.a. to 8.50% p.a.	Range: 6.49%* p.a. to 10.49% p.a. Representative rate: 8.49%^{^} p.a. Discounted secured rate for eligible energy-efficient purchases: 5.99% p.a.
Comparison rate¹	Range: 9.40% p.a. to 21.30% p.a. Representative rate^: 16.83% p.a. Comparison rate for eligible energy-efficient purchases, range: 8.41% p.a. to 9.40% p.a.	Range: 9.89% p.a. to 21.79% p.a. Representative rate^: 17.32% p.a. Comparison rate for eligible energy-efficient purchases, range: 8.90% p.a. to 9.89% p.a.	Range: 7.90% p.a. to 11.86% p.a. Representative rate: 9.88% p.a. Comparison rate for eligible energy-efficient purchases: 7.41% p.a.
Terms available	1-7 years	1-7 years	1-7 years
Loan amount	$4,000-$50,000	$4,000-$50,000	$4,000-$120,000
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	$250 $15	$250 $15	$250 $15
Fees may apply Late payment fee³ Settlement cheque fee⁴	$20 2 free	$20 2 free	$20 2 free

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Things you should know

* Interest rates at the lower end of our range, for example 8.00%/8.50%/6.49% p.a. (comparison rate 9.40%/9.89%/7.90% p.a.), may be offered to customers with an excellent credit history.

An excellent credit history is determined by, among other things, paying your bills and making loan repayments on or ahead of time, being disciplined with your credit applications, and not overextending yourself financially.

Actions which can negatively impact your credit history include missing bill or loan repayments, defaulting on your credit facility, or making a large number of credit applications in a short period of time. You can find out more about how your credit score is calculated and tips for improving your credit score at our Credit Score Information Hub.

^ 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 may be different and is based on a number of factors, including your credit history, the information you provide and our assessment of your application. We'll confirm your interest rate upon submission of your application.

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 Personal 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
An early repayment adjustment may be charged if fixed rate or secured personal loan is fully repaid with 12 or more months remaining on loan term, and we reasonably estimate we will incur a loss or administrative cost. View the Personal Loan Terms and Conditions. Additional repayments made on a Fixed Rate and Secured Personal 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.

COMPARE PERSONAL LOANS

Fixed Rate
Personal Loan

Variable Rate
Personal Loan

Features

Repayment methods

Fees & charges

Fees may apply