Borrow what you need between $5k and $50k
Get a personalised rate in as little as 2 minutes
No monthly or early repayment fees
Getting a quote won’t affect your credit score
Looking for a low rate loan with no ongoing fees? See how our comparison and interest rates measure up to Commonwealth Bank, Westpac, ANZ and NAB.
Fixed interest rate
Your interest rate doesn't change during the life of your loan. Your repayments are always the same, making it easier to budget.
from 6.99% p.a*
Comparison rate
This takes into account the interest rate plus standard fees and charges, making it easier to understand the complete cost of the personal loan and compare products.
from 6.99% p.a*
Establishment fee
No up-front payments, just a one-off fee included in your total loan amount and paid over the life of the loan.
from 3% with a min fee of $300
Late Repayment Fee
If your loan repayment is unable to be processed and the payment remains outstanding, a late fee is payable at 5, 14, 21 & 30 days after the payment date.
$35 per late payment
Direct Debit Dishonour Fee
It’s important to ensure there are enough funds in your account to cover each of your repayments to avoid dishonour fees. This fee is payable if we are unable to process a direct debit from your account.
$15 per dishonour
Early repayment fee
Some lenders charge you for paying your loan out early. We don't!
$0
Loan amount limits
The minimum & maximum amount you are able to borrow
$5,000 to $50,000
Loan terms
Your repayments are split over your loan term. A shorter term means less interest is paid over the life of the loan, while loans with longer terms will have lower regular repayments.
2 years, 3 years and 5 years
Yes, we use this to calculate your interest rate & reward borrowers who have maintained good credit scores.
To apply for our personal loan you need to be earning more than $30,000 per annum, although Centrelink can be used as a supporting income stream.
A secured personal loan is secured against an asset that you own, most commonly your house or car, as a form of collateral. An unsecured personal loan requires no security which can mean a stricter lending criteria but far more flexibility for those who are eligible.
If you need short-term or medium-term assistance with your repayments please get in touch with us immediately. Our customer service team can discuss options with you that can include flexibility with instalments due, time extensions & other hardship solutions depending on your circumstances.
Our interest rates are personalised for each customer and are determined based upon factors such as your credit score - the higher your score, the lower your rate.
We charge a one-off establishment fee that is included in your total loan amount. There are no monthly fees or early repayment fees. You can learn more about how our rates and fees work here.
Our personal loans range from $5,000 to $50,000 with flexible loan terms of 2, 3 or 5 years. We suggest borrowing an amount that best suits your situation, making sure you will be comfortable paying off each instalment.
We offer 2, 3 and 5 year loan terms. You also have the freedom to pay out your loan early in full or make additional lump sum payments during the life of your loan with no extra fees or penalties.
Repayments can be made in either fortnightly or monthly instalments by direct debit. Personal loan repayments are calculated depending on your choice of 2, 3 or 5 year loan terms, and whether you have chosen fortnightly or monthly repayments along with the interest rate you receive on approval of your loan.
Once you're approved the funds will be transferred to your bank account, usually within 24 hours.
