Personal loans
Borrow from $1,000 to $50,000
Fixed monthly repayments, no hidden fees, and a decision in minutes. Check your rate without affecting your credit score.
Our loan rates
Representative APR. The rate you receive depends on your personal circumstances. At least 51% of accepted applicants receive the advertised rate.
| Loan amount | Representative APR |
|---|---|
| $1,000 – $4,999 | 19.9% APR |
| $5,000 – $9,999 | 12.9% APR |
| $10,000 – $24,999 | 8.9% APR |
| $25,000 – $50,000 | 6.9% APR |
Your home may be repossessed if you do not keep up repayments on a secured loan.
What can you use a personal loan for?
Home improvements
Fund your renovation or extension project.
New car
Buy your next vehicle outright and avoid dealer finance.
Debt consolidation
Simplify multiple debts into one monthly payment.
Special occasions
Weddings, holidays, or any big life moment.
Exclusive programme
Early Repayment Rewards
Unlike most banks, we reward you for paying off your loan ahead of schedule. The more you overpay, the more cashback you earn.
0.5%
cashback
Repay 10%+ early
Make overpayments of at least 10% within the first year.
1.25%
cashback
Repay 25%+ early
Pay off a quarter or more ahead of schedule.
2.5%
cashback
Full early settlement
Clear your entire loan before the original term ends.
Apply in 3 simple steps
Check your rate
Get a personalised rate in seconds — it won't affect your credit score.
Complete your application
Tell us a bit more about yourself. Most applications take under 10 minutes.
Receive your money
If approved, the money is typically in your account by the next business day.