What interest rate will I be offered?

Our interest rates range between 7.65% and 26.99%. The rate you’ll be offered depends on our assessment of you as a borrower and the risk band category that you fall into.

This means that if we categorise you as an "excellent" borrower, we’ll offer you one of our lowest rates because we think it’s very unlikely you will struggle to repay your loan. You might get an "excellent" rate if you have a strong credit history, excellent repayment history with existing debts, and high credit score for example.  On the other hand, if we think your application is not as strong, the interest rate we offer you will be a little higher. 

How we determine your interest rate estimate 

We partially rely on information from your credit file such as your credit score, the number of inquiries you've had, and general history. We also use the information you told us on the rate estimate form including how you're repaying your current debts.   We analyse all this information to determine an indicative rate just for you.

If you apply for a loan with us, we'll to confirm your final interest rate when we finalise your credit assessment and verify your financial information. 

Our full range of interest rates are detailed below:

*The comparison rates on this page are based on a $30,000 unsecured personal loan over 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.