Personal Loans / Overdrafts

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Whatever you’ve got on your wish list, we have a loan that can help make it happen. Take a look at the options below, and find out why we were named Money Magazine’s Personal Lender of the Year for 2011.

Unsecured Fixed Rate Personal Loan

Whatever you have your heart set on, there’s no need to hold back. This fixed Rate unsecured loan can be used to finance any purchase from $2000.

You don’t have to worry about fluctuating interest rates. And you can pay back at your own pace, with no penalties for early repayments.

Approval for any worthwhile purpose
No monthly account keeping fees
Early repayments without penalty

11.99% pa
interest rate

12.36% pa*
comparison rate

Additional Information

FEATURE	Unsecured Fixed Rate
Minimum amount	$2,000
Loan period	up to 5 years
Repayments	Weekly, fortnightly or monthly
Interest charges	Interest calculated daily, charged monthly
Account keeping fees	No
Free Redraw facility	Yes
Early repayments without penalty	Yes

Secured Fixed Rate Personal Loan

By offering security against your loan (in the form of your new purchase), we can lend you more money, at a superior rate.

Approval for any worthwhile purpose
No monthly account keeping fees
Early repayments without penalty
Use your new or used car (< 5 years old) as security

10.60% pa
interest rate

10.87% pa**
comparison rate

Additional Information

FEATURE	Secured Fixed Rate
Minimum amount	$10,000
Loan period	up to 5 years
Repayments	Weekly, fortnightly or monthly
Interest charges	Interest calculated daily, charged monthly
Account keeping fees	No
Free Redraw facility	Yes
Early repayments without penalty	Yes

Mortgage Secured Overdraft

Things happen. And sometimes you need a little more that you have in your account. Our Overdrafts give you a Line of Credit for whenever you need it. And there’s the choice of both a secured or unsecured version.

Competitive interest rate
No monthly account keeping fees
Cost effective
Approvals can be made within 24-48 hours

12.85% pa
interest rate

Additional Information

FEATURE	Mortgage Secured Overdraft
Minimum amount	$10,000
Repayments	Weekly, fortnightly or monthly
Interest charges	Interest calculated daily, charged monthly
Account keeping fees	No
Early repayments without penalty	Yes

Unsecured Overdraft

Access to a convenient Line of Credit for your everyday financial needs.

Competitive interest rate
No monthly account keeping fees
Cost effective
Approvals can be made within 24-48 hours

15.70% pa
interest rate

Additional Information

FEATURE	Unsecured Overdraft
Minimum amount	$500
Repayments	Weekly, fortnightly or monthly
Interest charges	Interest calculated daily, charged monthly
Account keeping fees	No
Early repayments without penalty	Yes

Useful Links and Tools

_{*Unsecured personal loan interest rate based on a loan for an amount of $15,000 secured over a term of 5 years. **Secured personal loan interest rate based on a loan for an amount of $20,000 secured over a term of 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. Normal lending criteria, terms and conditions, fees and charges apply. Please refer to the Credit, Fees and Charges schedule for current details on fees and charges applicable to our Loans. Interest rate effective 17/05/2012 and are subject to change.}