Personal & car loan rates
These indicative rates apply to standard retail lending and are based on loan purpose, security, and term. Your personalised rate is confirmed after application, affordability checks, and any security valuation are complete.
Green vehicle loans receive a discounted rate when the financed car meets our published emissions threshold. Unsecured lending is available for debt consolidation, travel, and home improvement purposes.
| Loan | Interest rate | Comparison rate |
|---|---|---|
| Unsecured personal loan | 11.75% p.a. | 12.21% p.a. |
| Car loan (new, secured) | 7.99% p.a. | 8.38% p.a. |
| Car loan (used, secured) | 8.89% p.a. | 9.33% p.a. |
| Green car loan (new, secured) | 7.49% p.a. | 7.86% p.a. |
Comparison rates include the interest rate plus most mandatory fees. Secured loans normally require comprehensive insurance over the financed vehicle and evidence that registration remains current for the full term of the loan.
Applications are subject to responsible lending checks and proof of income, address, and identity.
Early repayment fees may apply on fixed-rate personal loans; documentation and establishment fees vary by product.