Loan Rates & Fees.
If you’re looking for a personal loan, we understand you’d like to know what the expected costs are, before you go forward. We have one of the best ranges of personal loans from $500 up to $10,000. We’ve tried to keep it as clear as possible for you, so here are the basics to get started.
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Rates (APR), fees & features
Small Amount Loans
Read More: Small Amount LoansMedium Amount Loans
Read More: Medium Amount LoansLarge Amount Loans
Read More: Large Amount LoansFor our loans of $300 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above $2,000 maximum APR is 48%.
*All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
How Important is your credit rating?
Your credit rating (or score) influences the likelihood of you obtaining a personal loan. It also impacts the loan amount and interest rate you could be offered.
Think of it like this. The lower a person’s credit rating (or score) is, generally means that person is considered more of a risk to lend to, so they could be knocked back, or offered a smaller amount and/or a higher interest rate.
Below is a simple guide that looks at credit ratings for New Customers. It shows what you could expect in terms of interest rate and loan amount. (It is only a guide because it does not look at your affordability). For more information about our loyalty discounts check out our Mates Rates page.
| Good Credit | Okay Credit | Poor Credit |
|---|---|---|
| Indicative credit bureau Score 600 + | Indicative credit bureau Score 400 – 600 | Indicative credit bureau Score 0 – 400 |
| Interest Rate From 21.90% | Interest Rate From 23.90% | Interest Rate From 29.90% |
| Comparison Rate 23.55% | Comparison Rate 30.05% | Comparison Rate 53.12% |
| Typical Personal Loan Amount Up to $10,000 | Typical Personal Loan Amount Up to $7,000 | Typical Personal Loan Amount Up to $5,000 |
* This comparison rate is based on a $10,000 loan over 3 years. 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.
** This comparison rate is based on a $2,500 loan over 2 years. 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.
Now that you know how your credit rating may influence the loan amount and interest rate, let’s look at the different loan sizes we have to help you move forward! Let’s see what the expected costs will be for each, after all, that’s why you’re here!
Ready to get started?
How to Apply
With no early payout fees, our flexible range of online loans are perfect for the changing needs of hardworking Aussies. And because our rates are personalised, they’re highly competitive, whatever your credit rating.
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Apply Now
All it takes is 6 minutes with our secure online application form.
Accept Offer
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Receive Finance
Your funds are transferred as cleared funds so you can start using it sooner.
Personalised Support
If you need a little help with anything, simply talk to our support team.