Fair Rate Personal Loan

Sometimes you just need a little extra help to achieve your goals faster. Our award-winning Fair Rate Personal Loan can help to fund or partially fund holidays and travel, buying a car, debt consolidation, renovations, wedding plans, growing family or unexpected medical bills.

Our Fair Rate Personal Loan is unlike most personal loans from large financial institutions where a standard rate is generally applied. The rate on our Fair Rate Personal Loan is guided by your credit worthiness - so you may be rewarded with a better rate based on your borrowing history.

If we determine that you have an excellent credit score and a good borrowing record, you could be eligible for our Diamond Rate of 5.99% p.a. with a comparison rate of 6.20% p.a.

Diamond Rate from:

5.99 % p.a. Interest rate 6.20 % p.a. Comparison rate

Tier	Interest Rate	Comparison Rate
Diamond	5.99% p.a.	6.20% p.a.
Emerald	7.99% p.a.	8.20% p.a.
Sapphire	8.99% p.a.	9.20% p.a.
Ruby	10.99% p.a.	11.21% p.a.
Opal	16.99% p.a.	17.22% p.a.

Key Features
Calculator

Product Features:

Personal Loan Features
Minimum loan amount :	$1,000
Maximum loan term :	7 years
Interest charges :	Calculated daily, charged monthly
Repayment type :	Principal & Interest
Repayment frequency :	Weekly, fortnightly or monthly
Application fee :	$150
Monthly loan fee :	$0
Extra repayments :	Unlimited
Redraw :	Yes
In principle approval :	Yes
Increase/top up :	Yes
Early termination fee :	$0

Additional Information

We're ready to help you

Budgeting for beginners

How to consolidate your debt

Eligibility criteria, terms & conditions and fees & charges apply.

Footnotes:

¹ Applicants must be eligible for Diamond Rate as determined by G&C Mutual Bank. Refer to interest rate schedule for full list of interest rates.
² Comparison rate based on unsecured $30,000 loan over 5 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.
³ Minimum redraw amount of $100 and $30 service fee applies.