No deposit required
No penalty for early repayments
Loan terms up to 7 years

If you’re looking to buy a used car or another type of motor vehicle, like a car, boat, caravan or motorcycle, we offer a competitive variable secured personal loan option.

Looking for a loan to purchase a new car up to 3 years old? Try our New Car Loan.

Our Secured Personal Loan is also a great option if you want to use an existing vehicle as security for financing another purpose, such as funding a well-earned holiday, purchasing household goods, sporting goods or consolidating personal debt into one manageable loan.

Our Secured Personal Loan is generally available for larger amounts and having the security of a vehicle over the loan means we can offer a lower interest rate than our Unsecured Personal Loan option.

If you don't have security you can provide, don't worry as we have an unsecured personal loan option available – find out more about our unsecured personal loans. Or, if you're looking to renovate your home, we have personal loans available for renovation purposes.

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Features

  • Variable rate loan
  • No deposit required
  • Loan terms of up to seven years
  • Borrow up to $150,000
  • Make extra repayments with no fees for paying out the loan early
  • Conditional pre-approval available
  • Redraw facility on your loan
  • Choice of weekly, fortnightly or monthly repayments

Rates & Fees

Product Interest Rate
Secured Personal Loan 11.45 Interest rate 12.371Comparison rate
Fees
Establishment fee $120
Document fee Document fees may apply
Loan maintenance fee $10 / Per Month

Interest rate from

11.45 Percent per annum

Comparison rate from

12.37 Percent per annum 1

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The fine print

Rates are subject to change: Variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Credit approval and terms: Normal lending criteria, terms and conditions apply and will be included in our Offer and Loan Contract.

1 Comparison Rate calculated on a secured loan of $30,000 over a 5 year term based on monthly repayments.

WARNING: These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. A comparison rate schedule is available at any of our branches. Personal Loan and Credit Card Rate Schedule can be viewed here.

Before acquiring this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Target Market Determination; Personal Loan brochure; Account and Access Facility Conditions of Use; Credit Guide; Fees and Charges brochure, and the Personal Loan & Credit Card Interest Rate Schedule

Rates and fees effective: 16th January 2025

 
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