Sometimes you just need a little extra help to achieve your goals faster. Our 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.
| Tier | Interest rate | Comparison rate |
| Diamond | 7.99% p.a. | 8.20% p.a. |
| Emerald | 9.99% p.a. | 10.21% p.a. |
| Sapphire | 10.99% p.a. | 11.21% p.a. |
| Ruby | 12.99% p.a. | 13.21% p.a. |
| Opal | 16.99% p.a. | 17.22% p.a. |
| 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 | Yes3 |
| In principle approval | Yes |
| Increase/top up | Yes |
For more related frequently asked questions, visit our FAQs page.
3 Minimum redraw amount of $100 applies.
Eligibility criteria, terms & conditions and fees & charges apply.
