At a glance

  • Borrow from $1,000 to $30,000
  • Competitive fixed interest rate of 14.95% p.a.
  • Terms from 1 year to 5 years
  • Establishment fee of only $150
  • Weekly, fortnightly or monthly repayments
  • Make additional payments at any time with no hidden charges
  • Debt consolidation available
  • Fast, easy and flexible

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.