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.
|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.|
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|
|In principle approval :||Yes|
|Increase/top up :||Yes|
|Early termination fee :||$0|
In November 2019, our Fair Rate Personal Loan was recognised by finance industry experts for its outstanding value and achieved the following awards: