Compare our loans

Let's face it, money can make better things happen. Whether your idea of better is to spruce up your house, upgrade your car or jet off on the holiday of a lifetime, we've got a loan that's right for you.

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our rates

Latitude
Car & Motor Loan

Latitude
Low Rate Personal Loan

Latitude
Personal Loan

Compare
our rates

Latitude
Car & Motor Loan

From

6.99 % p.a.

Comparison rate

8.10 % p.a.

Latitude
Low Rate Personal Loan

Fixed rate

10.99 % p.a.

Comparison rate

12.21 % p.a.

Latitude
Personal Loan

Secured from

12.99 % p.a.

Comparison rate

14.20 % p.a.

Loan amounts from
$5000 ($3,000 for motorbikes)
$20,000
$3,000
Loan terms from
Consumer and commercial from 1 - 7 years
2 - 7 years
2 - 7 years
Loan type
Secured loans
Secured and unsecured loans
Secured and unsecured loans
Fixed rate interest for the life of the loan
Weekly, fortnightly or monthly repayments
Choose the day repayments are deducted
Extra repayments accepted
Cars up to 15 years of age at start of loan
Motorbikes, caravans, marine/personal watercraft, and light vehicles up to 7 years of age at start of loan

Purchase a car, boat or personal watercraft privately or through a dealer
Be 18 years or over
Be a permanent Australian resident
Be currently employed
Good credit history
For the last 5 years
Have an excellent credit rating
For the last 5 years
Be free from bankruptcy for the last 7 years
Be a homeowner or mortgage holder
Borrow amount
Borrow at least $20,000
Be a new customer
Rates
6.99%^ to 14.99%^ p.a. 
(8.10%* to 16.06%* p.a. comparision rate)





10.99%^ p.a. 
(12.21%* p.a. comparison rate)
 


Secured loans from 12.99%^ to 28.99%^ p.a. (14.20%* to 30.13%* p.a. comparison rate)
Unsecured loans from 13.99%^ to 29.99^ p.a. (15.19%* to 31.13%* p.a. comparison rate)
Establishment Fee
$295
$250

$140 for loans under $4,000


$250 for loans over $4,000

Loan Service Fee (per month)
$10
$13
$13
Australia Post handling Fee
$1.50
$1.50
$1.50
BPAY* Payment Handling Fee
$0.50
$1.50
$1.50
Late Payment Fee - in the event you can't make the minimum repayment by your agreed due date
$40 in the event that you can't make the minimum repayment by your agreed due date
$35 in the event that you can't make the minimum repayment by your agreed due date
$35 in the event that you can't make the minimum repayment by your agreed due date
Early Termination Fee
Up to $750 is payable if you pay the loan out early
$300 within the first half of your loan term
$0 within the second half of your loan term
$300 within the first half of your loan term
$0 within the second half of your loan term

Compare our rates

Latitude Car
& Motor Loan

Interest rate

6.99 % p.a.

Comparison rate

8.10 % p.a.

Loan amounts from
$5000 ($3,000 for motorbikes)
Loan terms from
1 - 7 years
Loan type
Secured loans
Fixed rate interest for the life of the loan

Weekly, fortnightly or monthly repayments

Choose the day repayments are deducted

Insurance type
Extra repayments accepted

Cars up to 15 years of age at start of loan

Motorbikes, caravans, marine/personal watercraft, and light vehicles up to 7 years of age at start of loan

Purchase a car, boat or personal watercraft privately or through a dealer

Be 18 years or over

Be a permanent Australian resident

Be currently employed

Good credit history
For the last 5 years
Be free from bankruptcy for the last 7 years

Be a homeowner or mortgage holder
Borrow amount
Be a new customer
Rates
6.99%^ to 14.99%^ p.a. 
(8.10%* to 16.06%* p.a. comparision rate)





Establishment Fee
$295
Loan Service Fee (per month)
$10
Australia Post handling Fee
$1.50
BPAY* Payment Handling Fee
$0.50
Late Payment Fee - in the event you can't make the minimum repayment by your agreed due date
$40
Early Termination Fee
Up to $750 is payable if you pay the loan out early

Compare our rates

Latitude Low Rate
Personal Loan

Fixed rate

10.99 % p.a.

Comparison rate

12.21 % p.a.

Loan amounts from
$20,000
Loan terms from
2 - 7 years
Loan type
Secured and unsecured loans
Fixed rate interest for the life of the loan

Weekly, fortnightly or monthly repayments

Choose the day repayments are deducted

Extra repayments accepted

Cars up to 15 years of age at start of loan
Motorbikes, caravans, marine/personal watercraft, and light vehicles up to 7 years of age at start of loan
Purchase a car, boat or personal watercraft privately or through a dealer
Be 18 years or over

Be a permanent Australian resident

Be currently employed

Good credit history
Have an excellent credit rating
Be free from bankruptcy for the last 7 years
Be a homeowner or mortgage holder

Borrow amount
Borrow at least $20,000
Be a new customer

Rates
10.99%^ p.a. 
(12.21%* p.a. comparison rate)
 


Establishment Fee
$250
Loan Service Fee (per month)
$13
Australia Post handling Fee
$1.50
BPAY* Payment Handling Fee
$1.50
Late Payment Fee - in the event you can't make the minimum repayment by your agreed due date
$35
Early Termination Fee
$300 within the first half of your loan term
$0 within the second half of your loan term

Compare our rates

Latitude
Personal Loan

Secured rate

12.99 % p.a.

Comparison rate

14.20 % p.a.

Loan amounts from
$3,000
Loan terms from
2 - 7 years
Loan type
Secured and unsecured loans
Fixed rate interest for the life of the loan

Weekly, fortnightly or monthly repayments

Choose the day repayments are deducted

Extra repayments accepted

Cars up to 15 years of age at start of loan
Motorbikes, caravans, marine/personal watercraft, and light vehicles up to 7 years of age at start of loan
Purchase a car, boat or personal watercraft privately or through a dealer
Be 18 years or over

Be a permanent Australian resident

Be currently employed

Good credit history
For the last 5 years
Be free from bankruptcy for the last 7 years

Be a homeowner or mortgage holder
Borrow amount
Be a new customer
Rates
Secured loans from 12.99%^ to 28.99%^ p.a. (14.20%* to 30.13%* p.a. comparison rate)
Unsecured loans from 13.99%^ to 29.99^ p.a. (15.19%* to 31.13%* p.a. comparison rate)
Establishment Fee
10.99%^ p.a. 
(12.21%* p.a. comparison rate)
Loan Service Fee (per month)
$13
Australia Post handling Fee
$1.50
BPAY* Payment Handling Fee
$1.50
Late Payment Fee - in the event you can't make the minimum repayment by your agreed due date
$35
Early Termination Fee
$300 within the first half of your loan term
$0 within the second half of your loan term

Loans information

Here at Latitude, we believe all Australians deserve the better things in life. And sometimes you need a little help to get you there. That’s why we use risk based pricing to determine our rates. Risk based pricing is a method of setting interest rates that allows us to lend to a wider range of customers, by better understanding an individual’s circumstances. Both our Latitude Personal Loan and Latitude Car and Motor Loan are risk based products.

We ask questions that enable us to assess your loan application based on factors including:

  • the personal information you provide,
  • a review of your credit history, and
  • the amount you want to borrow.

Your interest rate is then set depending on the outcome of this assessment and will range from 12.99%^ to 29.99%^ p.a. (14.20%* to 31.13%* p.a. comparison rate) on our Latitude Personal Loan, and from 6.99%^ to 13.99%^ p.a. (8.10%* to 16.06%* p.a. comparison rate) on our Latitude Car and Motor Loan.

In order to take out a Latitude loan, you’ll need to:

  • have a regular income,
  • be a permanent Australian resident, and
  • be at least 18 years of age.

Other credit and approval criteria will apply – this generally depends on what we learn once we’ve reviewed your application and your individual needs. One of our Betterers will let you know if your application is successful by the next working day.

When shopping around or applying for a personal loan, one decision you’ll need to make is whether you want a secured or unsecured loan.

Taking out a secured loan means you’re able to provide an asset or something with financial value, like your car, for the lender to secure your loan against. An advantage of taking out a secured loan is that you may be eligible for a lower interest rate.

If you don’t have a suitable asset to secure your loan against, you may decide to apply for an unsecured loan.

Important Information

^ Approved customers only. Terms, conditions, fees and charges apply. For the ‘Latitude Car and Motor Loan' and the 'Latitude Personal Loan’ interest rates range depending on a number of factors, including the information you provide us and our assessment of your application. All applications are subject to lending and approval criteria.

* Comparison rates for all the above products are based on a loan of $30,000 over 5 years.

WARNING: The comparison rates are true only for the example 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 secured personal loan of $30,000 borrowed for 5 years with the minimum interest rate of 10.99% p.a. (12.21% p.a. comparison rate), would equate to a total amount payable of $40,233 (including a $250 establishment fee and $13 monthly loan servicing fees).

1 You can make additional payments, however if you decide to make early or extra repayments, an early termination fee may apply.

How to apply

Applying for a latitude loan online via laptop

Apply online

Apply for one of our Latitude loans here today

Apply for a personal loan here Apply for a Car & Motor Loan here
Latitude Financial representative

Phone

Call our team of Betterers Mon to Fri, 8am – 7pm (AEST).

Call 13 28 26 for personal loans > Call 13 10 24 for Car & Motor Loans here >

Cover yourself with loan protection insurance

You never know what’s going to happen further down the track, so why not take out insurance to guard yourself against the unexpected.