We could better your bank by 1% p.a.

For a limited time only, if you have an unsecured personal loan with any of Australia's Big 4 banks, switch to Latitude, and we'll beat your current interest rate by 1% p.a.

Here's what you need to know

  • This offer is based on beating your current Big 4 bank* unsecured personal loan's annual percentage interest rate only (not your banks' comparison rate or offered rates).
  • You must provide us with evidence of your current unsecured personal loan which has the current annual percentage interest rate and balance by providing your most recent six monthly statement. If your loan has been opened for less than 6 months then a copy of your loan contract will be required.
  • Additional funds are available at the Beat Your Rate promotional interest rate, subject to normal Terms and Conditions.
  • This offer ends on 18th March 2018.
  • Please consider your existing personal loan early termination fees, break costs, and other fees before applying with Latitude.
  • Standard eligibility criteria applies – see more detail here >

*The Big 4 are defined as Commonwealth Bank of Australia (Commbank), Westpac Banking Corporation (Westpac), National Australia Bank Limited (NAB) and Australia and New Zealand Banking Group Limited (ANZ).

The nitty gritty

$250 Establishment
fee

$13 Monthly loan
service fee

$150 Early termination fee*

$3,000 Minimum loan amount

2 - 7 year Loan terms

Eligibility Criteria
  • 18 years or over
  • currently employed
  • a permanent Australian resident
  • able to demonstrate a good credit history for the last 5 years
  • free from bankruptcy for the last 7 years
  • normal lending criteria, terms and conditions apply

Latitude will disburse funds to your bank to pay out your loan in full.
*$150 if you terminate within the first half of your loan term. $75 if you terminate within the second half of your loan term. $0 during the last 6 months of your loan term.

Other Fees & Charges You May Incur:
  • Australia Post payment handling fee - $1.50^
  • BPAY® payment handling fee - $1.50^
  • Late payment fee - $35 in the event that you can't make the minimum repayment by your agreed due date

^Not charged if you choose to pay us via direct debit.

Better interest rates are just the beginning

Easy application

You can apply online or over the phone in just 10 minutes.

Flexible repayments

You can choose to pay off your loan weekly, fortnightly or monthly, plus you can even make additional repayments along the way.

Total control

We'll make sure your interest rate is fixed for the life of the loan.

How to apply

Applying for a latitude loan online via laptop

Apply online

Fill out our form and get a response within a day. Get started

Latitude Financial representative

Phone

Our team is on-hand and ready to help you from 8 am - 7 pm AEDT, Mon - Fri. Call us on 13 10 27