We're here to help you with your personal lending enquiries. Simply complete our online enquiry or get in touch.
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 Australia 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.
Terms, conditions, fees, credit criteria and charges apply.
If you’ve ever applied for a loan or a credit card, or had a utility bill in your name, there should be a credit report you can access. You have the right to get a free copy of your credit report every 3 months from each of the main credit reporting agencies. You can also get your credit score for free from many online providers that use data from these agencies:
- Equifax (credit report and score)
- Experian/Illion (credit report and score)
- GetCreditScore and similar services (score and summary only, powered by a bureau).
The reports are usually available within a day or so, sometimes minutes, but you’ll have to enter in identifying information such as your name, driver license, address and other details depending on which credit reporting agency it is.
After completing your enquiry, get these documents ready to help speed up the process once a lender contacts you:
- 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'll 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.
Terms, conditions, fees, credit criteria and charges apply.
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.
The minimum amount you could apply for with our personal loan is $5,000.
You could borrow up to $50,000 with an Unsecured Personal Loan, and up to $100,000 with a Secured Personal Loan.
Personal loan calculators
Terms, conditions, fees, credit criteria and charges apply.
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.
Terms, conditions, fees, credit criteria and charges apply.
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).
Terms, conditions, fees, credit criteria and charges apply.
Interest calculations vary depending on the loan type. Download our Interest facts for loans PDF for more information.
Fixed interest rates lock in your repayments, and they won't change for the loan term. You can easily budget, because you'll know exactly what you'll pay each month.
Variable interest rates could vary from month to month based on the changes to the interest rates. If the rates rise, your repayments may rise. If the rates fall, your repayments may be less.
At the end of the fixed rate period customers can chose to re-fix their loan for another fixed rate period or let the loan revert to the applicable variable interest rate based on the loan and repayment type.
You can schedule automated repayments to help make sure your personal loan is paid on time.
You can set up automated repayments through:
- The app
- Internet banking
- Over the phone
- At a branch.
You can choose:
- A fixed amount to be transferred regularly
- A nominated amount that suits your budget
- A weekly, fortnightly or monthly payment frequency to suit your circumstances.
To set up automated payments from an account with another financial institution, you will need to provide them the BSB and account number for the personal loan.
To set up or adjust repayments for your personal loan in the app:
- Log on to the app
- Select the ‘Pay’ button
- Select ‘Transfer between my accounts’
- Choose the account and personal loan
- Enter the amount you want to transfer
- Add a description (if required)
- Under ‘Schedule’, set up your date for your payment. To choose how often you want the repayment to repeat, select ‘Recurring’ and choose your payment frequency.
- Schedule transfer and your payment is ready to go.
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Log on to internet banking
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Payments
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Transfer
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Select the ‘From’ account in the drop-down box
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Select ‘credit account’ in the drop-down box
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Enter amount
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Add description (if required)
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Schedule transfer and your payment is ready to go.
You can edit the amount or payment frequency through the app by logging on and selecting ‘Scheduled Payments’.
Log on to internet banking, select ‘Payments’, ‘Scheduled Payments’, ‘Action points’, ‘Edit payment’. If we originally helped you to set up your repayments, please call us or visit a branch to make any changes.
You can make additional repayments at any time. Paying more than your minimum repayment can help you get ahead of your loan. It can also act as a financial buffer, giving you added flexibility if unexpected expenses come up or you’re unable to make a repayment in the future. You can easily set this up via the app or internet banking.
You can pay off your personal loan early without an early repayment fee. If you want to pay pay off your personal loan early, you’ll need to give us a call or visit a branch to request your payout figure.
We do not offer redraws on our personal loans. If you are in advance, you could benefit from a “repayment holiday.”
We offer a Hardship program that may help customers that are experiencing financial difficulty. We will talk to you about your current circumstances to understand what type of assistance may be available.
We do not believe in a ‘one-size fits all’ approach. We aim to tailor an approach based on your individual circumstances and address every request in confidence.
Assistance that could be provided in appropriate circumstances includes (but not limited to):
- Pausing repayments
- Reducing repayments
- Capitalising any arrears e.g., putting arrears back into the balance of the loan
- Investigating if there are any other options that may assist our customers with their lending obligations.
- Repayment Holiday e.g. If your loan is in advance, you may be able to use those advance repayments.
- Securely access your money any time
- Check out faster in-store or online using mobile payments
- Personalise, manage and open an account in seconds.
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Making sure you're ready to apply
Your credit rating as well as having the right documents ready will help your loan application.