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Rates

Variable
Variable Rate
5.75
%
p.a.
^
to
25.99
%
p.a.
^
Comparison Rate
6.68
%
p.a.
*
to
29.20
%
p.a.
*
Fixed
Fixed Rate
7.75
%
p.a.
^
to
26.99
%
p.a.
^
Comparison Rate
8.65
%
p.a.
*
to
30.22
%
p.a.
*
Secured vs Unsecured loan?
Fixed vs Variable loan?
How is my interest rate determined?

Let's talk loan details

RateChoice of a Fixed or Variable loan
Loan amountsFrom $5,000
RepaymentsWeekly, fortnightly, monthly
Loan terms2 - 7 years
Secured and unsecured
Other benefitsFixed loan:
Rate and repayment fixed for the life of the loan
Variable loan:
No early termination fee

Fees & charges

Establishment FeeAn upfront fee, added to your loan amount, ranging from 0%-5% based on your credit rating
Loan Service Fee$13 per month
Payment handling fee for using BPAY®$1.50
Late Payment Fee:$40 In the event that you can’t make the minimum repayment by your agreed due date
Early Termination Fee:Fixed loan:
$500 up until the last 3 months of the loan term
Variable loan:
No early termination fee
Loan repayment calculator

What will my repayments be?

Let's calculate

Why choose a Latitude loan?

Un-complicated loans

Get an indicative Quote in 2 minutes, Apply in under 7 minutes. Once approved and you accept your contract, funds in your account in less than 24 hours.

Flexible options

At Latitude, you can choose to apply for a Fixed or Variable loan, along with an option to set up monthly, fortnightly or weekly repayments.

How to apply

  1. Check your interest rate online in 2 minutes without impacting your credit score
  2. Apply online and receive a response in 60 seconds
  3. Provide required documents, such as banking statements and identification documents
  4. Accept your loan contract digitally
  5. Obtain funds within 24 hours of us receiving your online acceptance

Eligibility

You must:
  • Be 18 years or over
  • Be a permanent Australian resident
  • Be currently employed and earning at least $25,000 gross per annum
  • Be able to demonstrate a good credit history for the last 5 years
  • Be free from bankruptcy for the last 7 years
For Variable loans at 5.75% p.a.^ and Fixed loans at 7.75% p.a.^ you must also:
  • Be a new Latitude Personal Loan customer

Frequently asked questions

What can I use my loan for?

  • What can I use my loan for?

    You can use your Latitude medical loan if you're borrowing for one of the below health categories:<br /> <br /> <ul> <li>Audiology services</li><li>Bariatric surgery</li><li>Cosmetic surgery</li><li>Dental/Orthodontics</li><li>ENT surgery</li><li>Hair restoration surgery</li><li>Laser hair treatment</li><li>Laser eye surgery</li><li>Obstetrics</li><li>Orthopaedics</li><li>Sleep apnoea treatment</li><li>Veterinary care for your pet</li></ul> <br /> If you have something in mind, give us a call <a href="tel:132826">13 28 26</a> to discuss a solution that suits you.

    What can I use my loan for?

  • How much can I borrow?

    <span><p><strong>Latitude Personal Loan</strong></p><p>The minimum amount you can borrow for a Latitude Personal Loan is $5,000, with the maximum depending on your circumstances and current financial situation.</p></span>

    How much can I borrow?

  • How do I make repayments?

    <span><p>You can opt to make weekly, fortnightly or monthly repayments by Direct Debit or BPAY®.</p><p>Payment via BPAY® will incur a payment handling fee.</p><p>BPAY® and the BPAY® logo are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518</p></span>

    How do I make repayments?

  • Useful forms

    <span><p>To help you manage your account, here are some useful forms.</p><a target="_blank" href="https://latitudefs.zendesk.com/hc/en-au/requests/new?ticket_form_id=360000137778">Direct debit set up form</a> [PDF]<br><a target="_blank" href="https://latitudefs.zendesk.com/hc/en-au/requests/new?ticket_form_id=360000130337">Third part authority</a> [PDF]</span>

    Useful forms
Application and approval

  • When will I get a decision on my application?

    <span>In most cases, you can expect to receive a decision on your loan application in 1-2 working days.</span>

    When will I get a decision on my application?

  • How long till I receive my funds?

    Once your loan is approved and signed, your funds are usually available the next day or no more than two working days (depending on your circumstances).

    How long till I receive my funds?

  • What is the eligibility criteria?

    <div><strong>Latitude Personal Loan</strong><p>At a minimum, you will need to:</p><ul><li>Be currently employed and earning at least $25,000 gross per annum,</li><li>Be an Australian Permanent Resident,</li><li>Be at least 18 years of age.</li><li>Be able to demonstrate a good credit history for the last 5 years</li><li>Be free from bankruptcy for the last 7 years</li></ul><p>Other credit and approval criteria will apply depending on your situation. In most cases, you can expect to receive a decision on your loan application in 1-2 working days.</p><strong>For Fixed or Variable loans at 5.75% p.a. you must also:</strong><ul><li>Be a new Latitude Personal Loan customer</li></ul></div>

    What is the eligibility criteria?

  • Do I need to provide security?

    <span>Whether you need to provide security or not will vary depending on your personal circumstances and the loan amount you have applied for.</span>

    Do I need to provide security?
Fees, charges and interest

  • Will the interest rate on my loan be Fixed or Variable?

    <span>Interest rate may vary depending on the type of loan you apply for. Our Fixed personal loans feature fixed interest rates, so repayment amounts stay the same throughout the life of the loan. Your rate could change during the term of your loan for a Variable personal loan.</span>

    Will the interest rate on my loan be Fixed or Variable?

  • How is my interest calculated?

    <span>Interest is calculated daily and charged to your account on a monthly basis.</span>

    How is my interest calculated?

  • Will I be charged a fee for making extra payments?

    <span>With a Latitude Personal Loan, you can make extra payments whenever and however you like. Be aware that for a Fixed loan, an early termination fee of $500 applies if you payout your loan in full up until the last 3 months of the loan. Payment handling fees of $1.50 apply when making extra repayments via BPAY&reg;. BPAY and the BPAY logo are registered trademarks of BPAY Pty Ltd 69 079 137 518.</span>

    Will I be charged a fee for making extra payments?

  • How can I avoid paying late fees?

    <span><ul><li>Paying by direct debit saves you time and the hassle of manual repayments, it also helps you to avoid fees from missed or late payments.</li><li>Make sure you have sufficient funds in your account so all direct debits and other scheduled payments can be made.</li><li>If your circumstances change which could affect your repayments, call us on <a href="tel:132826"> 13 28 26</a> to discuss your options.</li><li>You can also make additional repayments so you pay off your loan sooner and save on interest<sup>1</sup>.</li></ul><p><sup>1</sup>Early termination fee applies.</p></div></span>

    How can I avoid paying late fees?

Important information

^ Approved customers only. Terms, conditions, fees and charges apply for Latitude Personal Loan. All applications are subject to lending and approval criteria.

Loan terms range from 2-7 years for Latitude Personal Loan.

Latitude Fixed Personal Loan rates range from 7.75% p.a. to 26.99% p.a. (comparison rates 8.65% p.a. to 30.22% p.a.).
Latitude Variable Personal Loan rates range from 5.75% p.a. to 25.99% p.a. (comparison rates 6.68% p.a. to 29.20% p.a.).

* The Comparison rate for the above products are based on $30,000 over 5 years.

WARNING: These comparison rates apply only to the example or examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

EXAMPLE: A personal loan of $30,000 borrowed for 5 years with an interest rate of 10.99% p.a. (12.71% p.a. comparison rate), would equate to a total amount payable of $40,690 (including a $600 establishment fee and $13 monthly loan servicing fees).

Results from the calculators should be used as an indication only, and they do not represent either a quote or pre-qualification or approval for a loan. The calculator should only be used as a guide to see how loan repayments can vary when you change the loan amount, interest rate and loan term. Fees and charges are payable and the calculators do not take these into account.

1 You can make additional payments at any time, however, an early termination fee may apply on a Fixed loan up until the last 3 months of your loan term.