Due to scheduled maintenance our Internet Banking, Banking Apps and some website functionality will be unavailable between 04:00am and 06:00am, Tuesday 3rd March 2020. ATMs, EFTPOS and payWave will not be impacted. We apologise for any inconvenience. 

Dismiss

We use cookies to provide you with the best possible online experience. Read more

Dismiss
Navigation

BSB 650 000

Need a personal loan?

Choose from our range of competitive fixed rate loans

Enquire now

Personal Loan - Secured

Secured Loan - Tier 1 ~
6.69
%
P.A.
Comparison Rate
8.41
%*
P.A.

Fixed interest rate personal loans

When you need some extra money for any worthwhile purpose, a personal loan can be a really smart way to go. The fixed interest rates on our personal loans are really competitive, and generally much lower than credit card interest rates.

Enquire now
Australian Lending Awards

  • How much can I borrow based on preferred repayments?

    
                            
    

                                
    

                                    
    
                                        
                                        
    
                                            
    
                                                
                                                
                                                
                                                
                                            
    
                                        
    
                                    
    

                                    
    
                                        
                                        
    
                                            
    
                                                $
                                                
                                            
    
                                        
    
                                    
    

                                    
    
                                        
                                        
    
                                            
    
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                            
    
                                        
    
                                    
    

                                
    

                            
    
                        
    
                    
    

                    
    

                        
    

                            
    
                                
    

                                
    You could borrow up to

                                
    
                                $0

                                
                            
    
                        
    
                    
    

                
    

            
    • 
        
            
  • 
            
            
            
    
                

                
    

                    
    
                        
    How much can I borrow?
    
                    
    

                    
    
                        
    
                            
    
                            
    

                                
    

                                    
    
                                        
                                        
    
                                            
    
                                                
                                                
                                                
                                                
                                            
    
                                        
    
                                    
    

                                    
    
                                        
                                        
    
                                            
    
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                            
    
                                        
    
                                    
    

                                    
    
                                        
                                        
    
                                            
    
                                                
                                                
                                                
                                                
                                                
                                                
                                            
    
                                        
    
                                    
    

                                    
    
                                        
                                        
    
                                            
    
                                                $
                                                
                                            
    
                                        
    
                                    
    

                                    
    
                                        
                                        
    
                                            
    
                                                $
                                                
                                            
    
                                        
    
                                    
    

                                    
    
                                        
                                        
    
                                            
    
                                                $
                                                
                                            
    
                                        
    
                                    
    

                                
    

                            
    
                        
    
                    
    

                    
    

                        
    

                            
    
                                
    
                                
    You could borrow up to

                                
    
                                $0

                                
                            
    
                        
    

                    
    

                
    

            
    • 
        
            
  • 
            
            
            
    
                

                
    

                    
    
                        
    
                            
    
                            
    

                                
    What will my repayments be?
    

                                
    

                                    
    
                                        
                                        
    
                                            
    
                                                
                                                
                                                
                                                
                                            
    
                                        
    
                                    
    

                                    
    
                                        
                                        
    
                                            
    
                                                $
                                                
                                            
    
                                        
    
                                    
    

                                    
    
                                        
                                        
    
                                            
    
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                                
                                            
    
                                        
    
                                    
    

                                
    

                            
    
                        
    
                    
    

                    
    

                        
    
                            
    
                                
    Repayments at 0.00% pa

                                
    
                            
    

                            

                            
    

                            
    
                                
    
                                    
    
                                        
    
                                            $0
                                        
    
                                    
    
                                
    
                                
    
                                    
    
                                        
    
                                            $0
                                        
    
                                    
    
                                
    
                                
    
                                    
    
                                        
    
                                            $0
                                        
    
                                    
    
                                
    
                            
    
                        
    

                        
    
                            
    
                                
                            
    
                        
    
                    
    

                
    

            
    • 
        
            

        









    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











    

        

            

                

                    
Looking for something different?

                

                

                    

                        

                            
                                    

                                        
                                            

                                            

                                                Money
                                                Making sure you’re ready to apply
                                            

                                        
                                    

                                
                                    

                                        
                                            

                                            

                                                Money
                                                Working out how much to borrow
                                            

                                        
                                    

                                
                            
                        

                    

                

                

                    Click here 
                

            

        

    



    


        
        

        
        

            
            

                
Get in touch

            

            


            

        

        
        
    
            
                    
  • 
                        
    
                            
                            
    
                                
                                    
                                    Contact us
                                    Call 13 19 87
                                    
                                
                                
                            
    
                            
                            
    
                                
    
                                    
    
                                        
    
                                            
                                            
                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
    • 
                
                    
  • 
                        
    
                            
    
	
                                
                            

    
                            
    
                                
                                
    
                                    
                                        Enquiry
                                        
                                        Make an enquiry 
                                        
                                    
                                
    
                            
    
                            
                            
    
                                
    
                                    
    
                                        
    
                                            
                                            

    
    
    
        
        

        



    
    
    
        
    
            


        
    



    
    
    One of our friendly Financial Advisers will respond to your enquiry within one business day (Monday to Friday).
    

    All information is required unless otherwise stated as optional.
    

    



    



        
    



    
    
    We will respond to your enquiry within one business day.
    

    All information is required unless otherwise stated as optional.
    

    



    



        
    



    
    
     Home loan enquiry
    

    Simply provide your contact details below and one of our friendly home loan specialists will get back to you within one business day.
    

    



    



        
    



    
    
    One of our friendly Personal Loan Experts will respond to your enquiry within one business day.
    

    All information is required unless otherwise stated as optional.
    

    



    



    
    
    

    
    
        
    
    
    
        
        

        
    
    
    
    
    


    


    


        
    


    
    
    
        
            Acknowledgement
        
    

    
    
    
    This field is required    

    


    
    
    
    This field is required    

    


    
    
    
    This field is required    

    


    

    



    
    
    
        
            Personal details
        
    

    
    
        
    
    
    

        
        
        
    
    
    This field is requiredYou exceeded the maximum length

    


    
    
        
    
    
    

        
        
        
    
    
    This field is requiredYou exceeded the maximum length

    



        
    

    
    
    
        
        
        
    
            
            
        
    
        
        
    
            
    No results
    
            
      
                
    • 
            
    
            Enter manually
        
    
    
    

    
    

        
    
            Address lookup
        
    

        

        
        
    
            Address
            PO Box
        
    
        


    
    
    

    
    
        
    
    
    

        
        
        
    
    
    

    

    

    



    
    
    

    
    
        
    
    
    

        
        
        
    
    
    

    


    
    
        
    
    
    

        
        
        
    
    
    This field is required

    


    
    
        
    
    
    

        
        
        
    
    
    This field is required

    


    
    
        
    
    
    

        
        
        
    
    
    

    


    
    
        
    
    
    

        
        
        
    
    
    This field is required

    


    
    
    
        
    
    
    
        
        

        
        
    
    
    This field is required
    
    


    


    
    
        
    
    
    

        
        
        
    
    
    This field is required

    

    

    


    
    


    


    



        
    


    

    
        Are you a customer?
        
    
    
    
    
        
        
    
    
    
    
    
        
        
    
    
    
    

    




        
    


    
    
    

    
    
        
    
    
    

        
        
        
        Hint
        
        
    
    
    You exceeded the maximum length

    

    

    


    


    


    
        
    
        
    
            


    
    
    
        
            Contact details
        
    

    
    
        
    
    
    

        
        
        
    
    
    Please enter an valid email address. This field is requiredYou exceeded the maximum length

    



    
    
    

    
    
    
        
    
    
    
        
        

        
        
    
    
    This field is required
    
    


    



        
    

    
    
        
    
    
    

        
        
        
    
    
    Please enter the mobile number starts with 04. 
Mobile phone number should begin with 04 and must always be dialed with all 10 digits, e.g. 04yy yxx xxx This field is required

    


    



        
    

    
    
        
    
    
    

        
        
        
    
    
    Incorrect phone formatThis field is required

    


    

    

    



    

    
        Preferred contact method
        
    
    
    
    
        
        
    
    
    
    
    
        
        
    
    
    
    

    




        
    


    
    
    


        
    


    

    
        Preferred Contact Time
        
    
    
    
    
        
        
    
    
    
    
    
        
        
    
    
    
    

    



    



        
    


    

    
        Preferred Contact Time
        
    
    
    
    
        
        
    
    
    
    
    
        
        
    
    
    
    
    
        
        
    
    
    
    

    



    



        
    


    

    
        Preferred Contact Time
        
    
    
    
    
        
        
    
    
    
    
    
        
        
    
    
    
    

    



    



        
    


    

    
        Preferred Contact Time
        
    
    
    
    
        
        
    
    
    
    
    
        
        
    
    
    
    

    



    

    

    


    


    


        
    

    
    
    
        
    
    
    
        
        

        
        
    
    
    
    
    


    


    



        
    


    
    
    
        
            Product Enquiry
        
    

    
    
    
        
    
    
    
        
        

        
        
    
    
    
    
    


    



        
    

    
    
    
        
    
    
    
        
        

        
        
    
    
    
    
    


    


    


    
    
    
        
    
    
    
        
        

        
        
    
    
    
    
    


    


    

    



        
    


    
    
    
        
            Loan details
        
    


    
    
    
    
        
        
    
    
    You exceeded the maximum lengthThis field is required

    



        
    



    
    
    Please be aware to borrow this amount you will be required to provide security. You may continue with your online enquiry, providing security where requested, or you can contact our Member Support Centre on 13 19 87 to discuss our security requirements prior to completing your enquiry.
    

    



    


    
    
    
        
    
    
    
        
        

        
        
    
    
    
    
    


    



    

    
        Security against loan
        
    
    
    
    
        
        
    
    
    
    
    
        
        
    
    
    
    

    




        
    

    
    
    
        
    
    
    
        
        

        
        
    
    
    
    
    


    



        
    



    
    
    The car should be less then eight years old and for personal use only.
    

    



    



        
    



    
    
    The motorcycle should be less then seven years old at the end of the loan term. Please note that only on-road and dual purpose motorcycles are accepted as security for a Personal Loan.
    

    



    



        
    



    
    
    To be used as security this account must be held with the Newcastle Permanent. If you would like to transfer your Term Deposit to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.
    

    



    



        
    



    
    
    If the property is mortgaged, the mortgage must be held with the Newcastle Permanent to be accepted as security. If you would like to transfer your Mortgage to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.
    

    



    


    


    
    
    
        
    
    
    
        
        

        
        
    
    
    
    
    


    



        
    



    
    
    Financial statements for the past two financial years will be required to support your application.
    

    



    



        
    



    
    
    Please note that unemployment benefits are not accepted as eligible income to apply for a Personal Loan. You may contact our Member Support Centre directly on 13 19 87 for further clarification on acceptable sources of income.
    

    



    



        
    



    
    
    Acceptable Pension type: Aged, Disability, Veterans Affairs and Carers. If you are receiving any other type of pension you may not be eligible for a Personal Loan. Please contact our Member Support Centre on 13 19 87 to discuss your eligibility.
    

    



    


    
    
    
        
    
    
    
        
        

        
        
    
    
    
    
    


    


    

    



        
    

    
    
    
        
    
    
    
        
        

        
        
            Hint
        
    
    
    
    
    
            
    


    


    



        
    

    
    
    
        
    
    
    
        
        

        
        
    
    
    This field is required
    
    


    



        
    

    
    
        
    
    
    

        
        
        
    
    
    You exceeded the maximum lengthThis field is required

    


    


    



    
    
    

    
    
    
    
        
    
    
    Max. 2,000 characters

    


    

    
    
    
    This field is required    

    



    
    
    

    

    

        
    
    
    

    






        
    



    
    
    Here’s some information for you: Terms and conditions apply and will be included with our loan offer.
    

    



    



        
    



    
    
    Here’s some information for you: Newcastle Permanent Building Society AFSL 238273.
    

    



    



        
    



    
    
    Applications for finance are subject to Newcastle Permanent's normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable. Loans for commercial purposes are excluded. 
    

    



    



        
    



    
    
    Here's some more information for you: This enquiry does not constitute a loan or pre-approval. Applications for credit are subject to Newcastle Permanents normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
    

    



    



        
    



    
    
    Here’s some information for you: Applications for finance are subject to Newcastle Permanent's normal credit approval process.
    

    



    


    
    


    


                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
    • 
                
                    
  • 
                        
    
                            
    
	
                                
                            

    
                            
    
                                
                                
    
                                    
                                        Locate us
                                        
                                        Find a local branch 
                                        
                                    
                                
    
                            
    
                            
                            
    
                                
    
                                    
    
                                        
    
                                            
                                            



    
    
    Find a local branch or ATM
    

    Find a Newcastle Permanent Branch or ATM* by typing in the suburb or postcode below:
    

    






    

    
    

        
    

            
    
                

                
    
                    
                
    
            
    

            
    
                

                
    
                    
    
                        
                        
                    
    
                
    
            
    
        
    

        
    

            
    

                Search for
                
                    
    
                        
                        
                    
    
               
                
                    
    
                        
                        
                    
    
                
                
            
    

            
    

                View results as:

                
    
                    
                    
                
    

                
    
                    
                    
                
    
            
    
        
    

        
    
            
        
    
    
    

    
    

    
    

    
    
        View map
        
    
    
    

    


                                            
                                        
    
                                    
    

                                
    
                            
    
                            
                        
    
                    
    • 
                
        


    











    
Here’s some information for you:











    Interest rates effective as of 29/02/2020 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.