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Personal loan

Live your best life with a personal loan funded renovation, overseas holiday or even buying a car or boat. With our Personal Loan you can enjoy the certainty of a fixed rate for the life of the loan and the flexibility to choose either weekly, fortnightly or monthly repayments.

With no ongoing fees and the option to make extra repayments as often as you like, you could pay off your personal loan sooner. And best of all there are no penalties for paying off your loan early!

Australian Lending Awards

  • How much can I borrow based on preferred repayments?


    You could borrow up to

  • How much can I borrow?


    You could borrow up to


    What will my repayments be?


    Repayments at 0.00% pa

The calculator results are indicative only and are based on the accuracy of information provided by you. The calculator results have been prepared without taking into account your personal circumstances. We recommend you obtain professional financial and legal advice before making any financial decision. The calculator results are estimates only and do not constitute a quote or loan offer. Weekly loan repayments are based on 52 weekly repayments. Fortnightly loan repayments are based on 26 fortnightly repayments. The repayment amounts do not include Society fees and Government charges that may apply to this type of loan.

Personal loan overview

Our competitive fixed interest rate personal loans help you get what you want sooner. And fixed repayments make budgeting easier than fluctuating variable rate personal loans. To apply for your loan, talk to us today.

Secured Loan - Tier 1 ~ 6.69%p.a. 8.41%p.a.
Secured Loan - Tier 2 ~ 6.69%p.a. 8.41%p.a.
Partially Secured Loan 8.99%p.a. 10.73%p.a.
Unsecured Loan 8.99%p.a. 10.73%p.a.
Application fee $250
Repayments Minimum monthly principle and interest repayments with weekly and fortnightly options available.
Additional repayments Accepted
Ongoing account keeping fees No

 Fees & Charges - PDF 104kb

Here’s some information for you:
Interest rates effective as of 28/09/2020 and are subject to change without notice.
Applications are subject to credit approval. Full terms and conditions will be included with our loan offer, fees and charges apply. Loans for commercial purposes are excluded.
~ The different secured interest rate tiers are determined by the type of security provided. Please call 13 19 87, or drop into your local Newcastle Permanent branch for further information.
*Comparison Rate calculated on loan amount of $10,000 for a term of 3 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.
^Newcastle Permanent Visa cards are accepted anywhere where Visa is accepted worldwide.