As a result of congestion on the Telstra network impacting 1300 numbers, Members may not be able to connect with us using our 1300 364 400 number. Please try our direct line (02) 9307 5400. Members may also experience intermittent issues using our Phone Banking service. We are working with our providers to resolve these issues, and apologise for the inconvenience. There is no impact to our Online Banking or Mobile App services.
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:
| 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. |
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 |
| Establishment fee : | $150 |
| Monthly loan fee : | $0 |
| Extra repayments : | Unlimited |
| Redraw : | Yes |
| 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:
- Canstar's 5-Star Rating for Outstanding Value Car Loan for the Fair Rate Personal Loan (Diamond Rate) in the New Car Loan profile
- Canstar's 5-Star Rating for Outstanding Value Car Loan for the Fair Rate Personal Loan (Diamond Rate) in the Used Car Loan profile
- Canstar's 5-Star Rating for Outstanding Value Personal Loan for the Fair Rate Personal Loan (Diamond Rate) in the Unsecured Personal Loan profile
- Canstar's 5-Star Rating for Outstanding Value Personal Loan for the Fair Rate Personal Loan (Emerald Rate) in the Unsecured Personal Loan profile
- Mozo Experts Choice 2019 Unsecured Personal Loan
We're ready to help you
Eligibility criteria, terms & conditions and fees & charges apply.
