Personal and Car Loans
Whether you’re planning something big or ready to hit the road, we’ve got the right loan for you. Our personal loans help you budget smart with flexible terms and no monthly fees, while our car loans make financing a new or used vehicle simple - with even lower rates for cars under two years old. Whatever your next move, we’re here to help make it happen.
Unsecured Personal Loan
Flexible financing, no collateral required.
Get the funds you need without tying up your assets. Our unsecured personal loan gives you the freedom to borrow up to $100,000 with flexible terms, no monthly fees, and the option to make extra repayments without penalties. Whether it's for a big purchase, home improvements, or unexpected expenses, you can borrow with confidence - no security required.
Features
Borrow $1,000 - $100,000
Flexible repayment options
Choose your loan term from 1-7 years
Competitive variable interest rate
Make extra repayments without penalties
Redraw facility (minimum $500)
Loans less than $3,000
19.50
%p.a. interest rate*
Loans less than $3,000
21.73
%p.a. comparison rate*
Loans between $3,000 & $10,000
16.50
%p.a. interest rate*
Loans between $3,000 & $10,000
18.69
%p.a. comparison rate*
Loans $10,000 and greater
13.00
%p.a. interest rate*
Loans $10,000 and greater
15.15
%p.a. comparison rate*
Fees and Requirements
No monthly fee
Establishment fee $3001
*Interest rates are variable and subject to change without notice.
1Other fees and charges may apply.
Conditions of use | Schedule of fees and charges | Financial services guide | Schedule of Loan fees | Personal Overdraft & Credit Card Car & Personal Loans | Target market determination
Personal Loan secured by a fixed term deposit
Secure a competitive rate with your term deposit.
Use your Fixed Term Deposit to secure a competitive rate on a personal loan. Enjoy flexible repayments, no monthly fees, and the freedom to make extra payments - all while your savings keep earning interest.
Features
Borrow $5,000 - $200,000
Flexible repayment options
Choose your loan term from 1-7 years
Competitive variable interest rate
Make extra repayments without penalties
Redraw facility (minimum $500)
7.50
%p.a. interest rate*
7.93
%p.a. comparison rate*
Fees and Requirements
No monthly fee
Establishment fee $3001
*Interest rates are variable and subject to change without notice.
1Other fees and charges may apply.
Conditions of use | Schedule of fees and charges | Financial services guide | Schedule of Loan fees | Personal Overdraft & Credit Card Car & Personal Loans
Personal Loan secured by a property mortgage
Dream big and access the funds you need with a personal loan secured with your mortgage.
Unlock greater borrowing power with a personal loan secured by your property mortgage. Enjoy competitive rates, flexible terms, and no monthly fees - plus the freedom to make extra repayments without penalties. Whether you're planning renovations, consolidating debt, or funding a big purchase, this loan helps you make it happen with confidence.
Features
Borrow $5,000 - $200,000
Flexible repayment options
Choose your loan term from 1-7 years
Competitive variable interest rate
Make extra repayments without penalties
Redraw facility (minimum $500)
7.50
%p.a. interest rate*
9.03
%p.a. comparison rate*
Fees and Requirements
No monthly fee
Establishment fee $3001
*Interest rates are variable and are subject to change without notice.
1Other fees and charges may apply.
Conditions of use | Schedule of fees and charges | Financial services guide | Schedule of Loan fees | Personal Overdraft & Credit Card Car & Personal Loans
Secured fixed interest rate Car Loan
Drive away with a fixed interest rate car loan packed with value and flexibility.
Ready to hit the road? Our secured fixed interest rate car loan makes it easy with flexible repayment options and competitive rates. Whether you're eyeing a new car or a slightly older model, we’ve got you covered with loans designed to suit your needs. Enjoy the freedom of making extra repayments without penalties, plus a loan term that works for you.
Features
Flexible repayment options
Choose your loan term from 1-7 years
Competitive fixed interest rate
Vehicles less than 3 years old receive a lower interest rate
Make extra repayments without penalties
Redraw facility (minimum $500)
Cars 2 years old or less, valuing $10k+
10.00
%p.a. interest rate*
Cars 2 years old or less, valuing $10k+
10.44
%p.a. comparison rate*
Cars 2-4 years old, valuing $10k+
11.00
%p.a. interest rate*
Cars 2-4 years old, valuing $10k+
11.44
%p.a. comparison rate*
Cars 4-7 years old, valuing $20k+
12.00
%p.a. interest rate*
Cars 4-7 years old, valuing $20k+
12.44
%p.a. comparison rate*
Fees and Requirements
No monthly fee
Establishment fee $3001
PPSR registration fee $501
Secured variable interest rate Car Loan
Drive your dreams with flexible financing.
Take control of your next car purchase with a secured variable-rate car loan. Whether you're eyeing a new ride or a slightly older model, enjoy flexible terms, competitive rates, and the freedom to make extra repayments without penalties. With lower rates for cars under 3 years old, this loan lets you drive away with confidence and flexibility
Features
Flexible repayment options
Choose your loan term from 1-7 years
Vehicles less than 3 years old receive a lower interest rate
Make extra repayments without penalties
Redraw facility (minimum $500)
Cars 2 years old or less, valuing $10k+
8.50
%p.a. interest rate*
Cars 2 years old or less, valuing $10k+
8.93
%p.a. comparison rate*
Cars 2-4 years old, valuing $10k+
9.50
%p.a. interest rate*
Cars 2-4 years old, valuing $10k+
9.93
%p.a. comparison rate*
Cars 4-7 years old, valuing $20k+
10.50
%p.a. interest rate*
Cars 4-7 years old, valuing $20k+
10.94
%p.a. comparison rate*
Fees and Requirements
No monthly fee
Establishment fee $3001
PPSR registration fee $501
*Interest rates are variable and subject to change without notice.
1Other fees and charges may apply.
Conditions of use | Schedule of fees and charges | Financial services guide | Schedule of Loan fees | Personal Overdraft & Credit Card Car & Personal Loans
Loans
Banking
17 Feb
Car loan vs. personal loan
When buying a car, finding the best loan can help you drive away with some major savings. Our guide is here to help you explore the key differences between our car loans and personal loans and find the best option.
Read MoreOther products and services
General advice warning
This advice has been prepared without taking your objectives, financial situation, or needs into account. Before acting on this advice, you should consider whether it is appropriate for your circumstances. For more details, access the relevant Product Disclosure Statements, Target Market Determinations or Financial Services Guides under 'Important information' on our product pages.
All loan applications are subject to credit approval. Interest rates may vary, and fees and charges could apply.