An affordable way to make that purchase you’ve been thinking about. Whether it’s a new set of wheels, those long-awaited renovations or a relaxing holiday – use your personal loan however you like. Plus, make extra payments for free.
At a glance Borrow from $1,000 to $30,000 Competitive fixed interest rate of 12.95% p.a. Terms from 1 year to 5 years Establishment fee of only $150 Weekly, fortnightly or monthly repayments to suit your needs Make additional payments at any time with no hidden charges Debt consolidation available Fast, easy and flexible Chat to the team today to find out more or start your application. APPLY NOW Frequently asked questions How much can I borrow? The amount you can borrow will depend on your current financial situation, but you can apply for any amount between $1,000 to $30,000. The best way to find out exactly how much you’ll be able to borrow is to contact one of the team – they’re happy to help. How long will it take? You’ll usually hear back from us within 2 working days. Times can vary but we’ll keep you informed along the way. How much could repayments be? We’re dedicated to putting our customers first and will work with you to ensure you’re not borrowing more than you can afford to repay. The amount you repay will depend on how much you borrow, how often you’d like to make repayments (weekly, fortnightly or monthly) and how quickly you’d like to pay off your loan (1 year – 5 years). You can choose to make smaller repayments for a longer period of time, or choose to make larger repayments over a shorter term in order to reduce the amount of interest you pay. The fixed interest rate also makes budgeting easy because you know exactly how much you’re paying and when, so you can relax knowing there will be no nasty surprises. How do I make additional repayments? You have the freedom to pay off as much extra as you’d like, and the flexibility to do it whenever and however you want. You can use Mobile or Online Banking to transfer any amount to your loan. Otherwise you can pop into a branch or simply call us and we’ll do it for you – all free of charge. Can I top up my current personal loan? If you’d like to increase the amount you’ve borrowed, just contact us to fill out a new application. We're here to help If you’re unable to make your regular payments due to unforeseen hardship, it's important to let us know as soon as possible as there may be options available to assist you through difficult times. Other options to consider When borrowing money, there are a few alternatives to consider. The best solution will depend on your personal finances, what you’re wanting to buy, and how you’re planning to pay the money back. Below are just examples – for more information or to find the best fit for you, contact the team. Credit Card In some cases, a credit card could be a more suitable option than a personal loan. For example, if you’re wanting the flexibility of making larger purchases whenever you like, and are able to quickly pay off the full amount. Overdraft An overdraft may also be a better alternative to a personal loan. For example, if you’re looking for a short term buffer or want to borrow less than $1,000 and intend to pay the entire amount back quickly. Getting Started Message Us Join Us Call 0800 872 226 FIND A BRANCH Don't forget to read this bit Terms and Conditions – refer to the terms and conditions of your loan. Take a look at our Disclosure Statement or grab a copy from your local branch. TSB’s current assessment lending criteria, lending terms and conditions, interest rates and fees apply. Use of accounts and services are subject to TSB’s General Banking Information.
At a glance Borrow from $1,000 to $30,000 Competitive fixed interest rate of 12.95% p.a. Terms from 1 year to 5 years Establishment fee of only $150 Weekly, fortnightly or monthly repayments to suit your needs Make additional payments at any time with no hidden charges Debt consolidation available Fast, easy and flexible Chat to the team today to find out more or start your application. APPLY NOW
How much can I borrow? The amount you can borrow will depend on your current financial situation, but you can apply for any amount between $1,000 to $30,000. The best way to find out exactly how much you’ll be able to borrow is to contact one of the team – they’re happy to help. How long will it take? You’ll usually hear back from us within 2 working days. Times can vary but we’ll keep you informed along the way. How much could repayments be? We’re dedicated to putting our customers first and will work with you to ensure you’re not borrowing more than you can afford to repay. The amount you repay will depend on how much you borrow, how often you’d like to make repayments (weekly, fortnightly or monthly) and how quickly you’d like to pay off your loan (1 year – 5 years). You can choose to make smaller repayments for a longer period of time, or choose to make larger repayments over a shorter term in order to reduce the amount of interest you pay. The fixed interest rate also makes budgeting easy because you know exactly how much you’re paying and when, so you can relax knowing there will be no nasty surprises. How do I make additional repayments? You have the freedom to pay off as much extra as you’d like, and the flexibility to do it whenever and however you want. You can use Mobile or Online Banking to transfer any amount to your loan. Otherwise you can pop into a branch or simply call us and we’ll do it for you – all free of charge. Can I top up my current personal loan? If you’d like to increase the amount you’ve borrowed, just contact us to fill out a new application.
We're here to help If you’re unable to make your regular payments due to unforeseen hardship, it's important to let us know as soon as possible as there may be options available to assist you through difficult times.
Other options to consider When borrowing money, there are a few alternatives to consider. The best solution will depend on your personal finances, what you’re wanting to buy, and how you’re planning to pay the money back. Below are just examples – for more information or to find the best fit for you, contact the team. Credit Card In some cases, a credit card could be a more suitable option than a personal loan. For example, if you’re wanting the flexibility of making larger purchases whenever you like, and are able to quickly pay off the full amount. Overdraft An overdraft may also be a better alternative to a personal loan. For example, if you’re looking for a short term buffer or want to borrow less than $1,000 and intend to pay the entire amount back quickly.
Other options to consider When borrowing money, there are a few alternatives to consider. The best solution will depend on your personal finances, what you’re wanting to buy, and how you’re planning to pay the money back. Below are just examples – for more information or to find the best fit for you, contact the team.
Credit Card In some cases, a credit card could be a more suitable option than a personal loan. For example, if you’re wanting the flexibility of making larger purchases whenever you like, and are able to quickly pay off the full amount.
Overdraft An overdraft may also be a better alternative to a personal loan. For example, if you’re looking for a short term buffer or want to borrow less than $1,000 and intend to pay the entire amount back quickly.
Don't forget to read this bit Terms and Conditions – refer to the terms and conditions of your loan. Take a look at our Disclosure Statement or grab a copy from your local branch. TSB’s current assessment lending criteria, lending terms and conditions, interest rates and fees apply. Use of accounts and services are subject to TSB’s General Banking Information.
