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Give your dream a little oomph with a personal loan

Make your once-in-a-lifetime moments memorable with a once-in-a-lifetime personal loan or car loan.

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    Smooth rates, smooth decision
    It's easy to fall in love with our low rates.
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    Lock in your repayments
    Budgeting is simple with fixed rates for the life of the loan.
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    Shift gears on your repayments
    Say yes to unlimited extra repayments. Say no to penalties for paying your loan off sooner.
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    Park your payments
    Unexpected roadblocks? Take a pit stop from repayments when your account is in advance.


For more information, see our personal lending FAQs. To see all FAQs visit our help & support page.

Simply complete the enquiry form.

Our team will be in touch within 3 business days to go through your next steps.

In the meantime, you can get your information ready for when they reach out.

You're eligible to apply for a personal loan if you:

  • Are at least 18 years old
  • Live in Australian and are an Australian citizen, Australian permanent resident, or New Zealand citizen
  • Meet the minimum income requirements
  • Are employed or have a regular income
  • Have a good credit rating.

Get these documents ready to speed up your process:

  • Identification documentation

    You'll need to identify yourself when you apply for a personal loan. Find details of acceptable documents here.

  • Proof of income

    You could supply your payslips, your most recent personal tax return, or payment summaries.

    Other evidence of income or additional documentation may be required.

  • Savings history and deposit details

    It's important to demonstrate your ability to meet your regular financial commitments.

    Provide copies of your account statements or any other supporting evidence of your savings to support your personal loan application.

  • Existing financial obligations, e.g., loans and bills

    Details of your other commitments and loans are necessary for your personal loan approval.

    How you managed your last or current loan, together with how much you're currently repaying is important.

Personal loans have a $250 application fee. This fee is only payable after you've been approved.

You could pay your loan off faster, because there are:

  • No account-keeping fees
  • No early repayment penalties
  • No restrictions on additional repayments.

Personal loans are a good option for those once-in-a-lifetime expenses. This includes renovations, weddings, honeymoons, dream overseas trips, and debt consolidation.

Personal loans are not suitable for recurring expenses like groceries, bills, or Christmas presents. Our Value+ Credit Card might be a better option for recurring expenses.

With secured loans, you use an asset (e.g., your car, motorbike, or Term Deposit) as collateral for the loan. Because of the collateral provided, you'll usually have a lower interest rate.

With unsecured loans you won't have to provide any asset as security, but you may expect a higher interest rate.

You can either use an asset you're buying with the loan (e.g., a new car), or an asset you already own (e.g., your car, motorbike, or Term Deposit).

Interest rates effective as of 23/07/2024 and are subject to change without prior notice.
*The Comparison Rate for personal loans is calculated on loan amount of $30,000 for a term of 5 years based on monthly repayments. 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.
^Application fee applies. Other fees and charges may apply.