Secured Fixed Personal Loan (New)

Fixed rate personal loan
6.49%p.a. Fixed interest rate
6.77%p.a. Comparison rate*

Product features

Enjoy the certainty of a fixed rate personal loan. You’ll know how much your repayments are helping you budget. It’s available for anyone looking to borrow $10k-100k to buy a motor vehicle, or anything else pre-loved that can be used as security. You’ll need to ensure it’s no more than 2 years old as at the date of the application.

Loan terms available: 1 – 5 years.

Make extra repayments without any fees

You can make extra repayments whenever you like to reduce your loan and interest you pay. You could pay off your loan sooner

Easy access to your money

You can choose to redraw any additional loan repayments you have made at no extra costs.

Choose your repayment frequency

Pay your loan weekly, fortnightly or monthly.

No account keeping fees

Our personal loan comes with no monthly account fees.

Rates and fees

Interest Rates

6.49%p.a. Fixed interest rate
6.77%p.a. Comparison rate*

Interest is calculated daily on the outstanding balance and charged monthly in arrears on the last day of each month.

Refer to our rates and fees for current interest rates.


  • $200 loan application fee.

Refer to our Fees and Charges for more information.

To reduce or cancel your credit limit, click here.

It’s easy to apply online.

Here’s what you’ll need to apply online

  • Be at least 18 years of age or older
  • Be an Australian citizen, permanent resident, or have a valid visa
  • Receive a regular income
  • Have your membership number if you already bank with us

What you’ll need.

  • An email address and contact number
  • Member number (If you’re already a customer)
  • Australian driver’s licence, Medicare or passport details
  • Employment and income details
  • Details of your assets, expenses and liabilities

Important notes

*Comparison rate is calculated on a secured loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Eligibility criteria, terms & conditions, fees & charges apply. Please refer to the Fees and Charges.

Apply now.

Already a customer?

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New customer?

Apply online