Personal Loans Interest Rates & Fees

We understand that everyone's finances are different, so our personal loan interest rates are tailored especially for you. 

We’ll consider things like your financial position and savings history, your income and your credit history to come up with a rate that's right for you. 

Interest rates

Our personal loan interest rates start from as low as 13.95% p.a. The interest rate offered could be different depending on your financial situation. 

We also offer a special School Leaver and Graduate loan interest rate of no more than 14.00% p.a. to all customers who meet the TertiaryCareer Starter and Graduate Pac criteria. 

Personal loan interest rates are floating so may change during the term of your loan - if they do we’ll let you know how much more or less your repayments will be.

With flexible repayment options and no early repayment penalties, there's really nothing stopping you - apply for a personal loan online or call us on 0800 177 277 today!

An additional default interest rate of 5% p.a. will be applied to any balance in arrears.


Personal loans - Fees
Fee type Fee amount
Establishment and documentation fee
$250 per loan
Loan payment failed fee
$25 per time