A personal rate for personal plans
Do that renovation. Take that holiday. Buy that car. Apply for a loan online and get a response in 60 seconds.
T&Cs, fees and charges apply.
Get an estimate of your repayments
I'd like to borrow
$20,000
Loan term
7 years
At an interest rate of
16.00% p.a.
9.99% Interest rate p.a.^
29.39%
(11.66% Comparison rate p.a*)
(30.97%)
Estimated repayment including typical fees
$0 / week
Total interest paid
$0
Total amount paid
$0
Ready to get started? Get your tailored rate in just 2 minutes, with no impact to your credit score.
Get my rate estimateThis calculator is provided for illustrative purposes only and does not constitute a quote or pre-qualification. The interest rate you may be offered can differ from the interest rate displayed above and will be based on your personal circumstances. The total amount paid includes establishment and monthly fees. See all Fees & Charges for this product.
Award-winning Personal Loans
WeMoney’s Best for Flexibility winner, four years running.
Want a 3 month payment pause?
No payments for the first 3 months
Eligible customers* can opt in to skip the first 3 month repayments with a payment pause.
Interest & fees apply
Interest and fees will still be accrued during the deferred payment period.
First payment in month 4
Your first repayment is due in month 4. You can still choose to pay earlier.
Loan term extends by 3 months
Your loan term will increase by 3 months to accommodate the payment pause.
Need extra funds? A Personal Loan Top-up can help
Apply through the Personal Loans Portal to see if you’re eligible. Available to all existing eligible Latitude Personal Loan customers.
Compare our fixed and variable loan options to find the right fit
Frequently asked questions
Fixed Loan Best for stability | Variable Loan Best for flexibility |
Interest rate from 9.99 %p.a.^ to 29.39 %p.a.^ Comparison rate from 11.66 %p.a.* to 30.97 %p.a.* | Interest rate from 9.99 %p.a.^ to 29.39 %p.a.^ Comparison rate from 11.66 %p.a.* to 30.97 %p.a.* |
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Why choose a fixed rate? A fixed rate makes budgeting easier. It’s ideal if you want certainty and peace of mind. Your interest rate stays the same, no surprises, no changes. | Why choose a variable rate? A variable rate offers flexibility. Ideal if you want to pay off your loan early with fewer restrictions. |
Frequently asked questions
Applying for a Latitude Personal Loan is simple
When life can't wait Latitude is here to help
Ready to take the next step with a Latitude loan?
Find out your personalised rate in just minutes — no impact on your credit score.
Why Latitude?
We've been helping Aussies manage their finances for close to a century. Trusted by 2.1 millions customers today, we're ready to back your journey, wherever it leads.
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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 Variable Personal Loan rates range from 9.49% p.a. to 29.39% p.a. (comparison rates 11.16% p.a. to 30.97% p.a.).
Latitude Fixed Personal Loan rates range from 8.99% p.a. to 29.39% p.a. (comparison rates 10.67% p.a. to 30.97% 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 15.99% p.a. (17.61% p.a. comparison rate), would equate to a total amount payable of $45,330 (including a $395 establishment fee and $16.50 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.