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

Our awards

Our Fair Rate Personal Loan has achieved great success, being independently recognised by finance industry experts RateCity and Mozo for achieving great value, flexibility and innovative features.

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
Extra repayments : Unlimited
Establishment fee : $150
Monthly loan fee : $0
Early termination fee : $0
Redraw : Yes
In principle approval : Yes
Increase/top up : Yes

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