Personal Rates and fees

We offer some of the best rates for Personal Loans in the country. Rates, fees and charges may change.

What could a Personal Loan cost?

As an example, if you borrow $3,000 over 2 years at 16.99% p.a. with weekly payments of $39.73, your total interest cost will be around $609.84. An establishment fee of $260 has been included in the calculation.

Interest Rates

Our Personal Loan Interest Rates range from 9.99% p.a. to 29.99% per annum.

*Note: The interest rate that applies will vary depending on several factors, including the amount borrowed, credit rating and security offered. The interest rate and repayment amount remain the same for the term of the loan.

Fees and Charges

$195 - $495 Establishment Fee

$7.00 Credit Check and EIDV fee (Minimum, if applicable)

$50.00 Repayment Waiver fee (Minimum, if applicable).

$40.00 Personal Property Security Registration fee on secured loans

The following credit fees and charges are not included in the initial balance and are, or may become, payable under or in connection with your contract.

3% Credit Card Handling Fee (of the amount paid)

$9.50 Monthly Admin fee

$3.50 Statement request fee

$5.00 Additional document request fee

$5.00 Direct Credit Refund

$10.00 Third Party Costs - admin charge

$75.00 Contract or Security Alteration fee

Default Interest Charges and Default Fees

In the event of a default in payment and while the default continues you must pay the default interest charges. Default interest is the greater of the agreed loan interest rate + 5%, or 30% per annum.

$10 Dishonour Fee

$15.00 Schedule change fee

$15.00 Broken Arrangement fee

$15.00 Overdue/Reminder letter fee

$50.00 Termination of account fee