Rates and fees

Our personal loan interest rates are current as at the dates shown below and are subject to change without notice.

Repayment periods are from 3 months up to 5 years.

Interest Rates

Loan typeApproved on or before
15 May 2014
Approved on or after
16 May 2014
- -% p.a. -% p.a.
- -% p.a. -% p.a.

Service Fees

Loan Facility Fee ^  $50

Account Fees

Fee TypeCharge
Personal Loan Insurance Premium 47c per $100 balance at statement cycle
Late payment fee $2
Statement copy fee $5

Calculate what your loan could cost

Use our calculator to work out what your repayments could be depending on the amount of your loan and how long you need it.

As an example, if you borrow $5,000, over 2 years at 17.85% p.a. with monthly payments of $252, your total interest cost will be around $1,042. A loan facility fee of $50 has been included in this calculation.

Personal loans help and support

If you need some help, call 0800 800 667

Small Print

Advanced Personal Loan interest rate is variable and subject to change at any time.

  1. A loan facility fee applies, unless otherwise stated. For loans approved on or before 15 May 2014, the loan facility fee will be charged upon loan approval. For loans approved on or after 16 May 2014, the loan facility fee will be charged on the date the account is opened. This fee will be reversed if the loan is not drawn down within 21 days.

Read our full personal loans terms and conditions