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.
| Loan | Interest rate | Comparison rate |
|---|---|---|
| Unsecured personal loan | 11.95% p.a. | 12.42% p.a. |
| Car loan (new, secured) | 8.19% p.a. | 8.59% p.a. |
| Car loan (used, secured) | 9.09% p.a. | 9.54% 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.
Applications are subject to responsible lending checks and proof of income, address, and identity.
Early repayment and documentation fees may apply depending on the product selected and whether the loan is fixed.