Fees & charges
Loan Service Fee
$13 per month
Australia Post Payment Handling Fee
Payment Handling Fee
Late Payment Fee:
$35 In the event that you can’t make the minimum repayment by your agreed due date
Early Termination Fee:
Within the first half of your loan term
Within the second half of your loan term
Better interest rates are just the beginning
You can apply online or over the phone in just 10 minutes.
Calculate your repayments
I want to borrow
For how many years?
How often do you want to pay?
Personal loans from $20,000
For the life of the loan
Weekly, fortnightly or monthly
Choose the day of the week your
repayments are deducted
2 - 7 years
Secured and unsecured
Optional loan protection insurance
Unlimited free disbursement
Extra repayments accepted1
Pay It Faster
Choose your repayment day
How to apply
- Apply online and get aresponse in 1 business day.
- Provide required documents, such as your payslips and identification documents.
- Accept and return your loan contract online.
- We pay within 24 hours of receiving your signed contract.
- be 18 years or over
- be a permanent Australian resident
- be currently employed
- borrow at least $20,000
- be a new Latitude Personal Loan customer
- be a homeowner or mortgage owner
Frequently Asked Questions
What can I use my loan for?
Application and approval
Fees, charges and interest
^Approved customers only. Terms, conditions, fees and charges apply. All applications are subject to lending and approval criteria. For the Latitude Low Rate Personal Loan, Excellent Credit Rating is as determined by Equifax.
Latitude Low Rate Personal Loan interest rate is 10.99% p.a. with a comparison rate of 12.21% p.a. and is available as a secured or unsecured loan.
Latitude Personal Loan rates range from 12.99% p.a. to 28.99% p.a. for secured loans (comparison rates 14.20% p.a. to 30.13% p.a.) and 13.99% p.a. to 29.99% p.a. for unsecured loans (comparison rates 15.19% p.a. to 31.13% p.a.).
Latitude Car and Motor Loan rates range from 6.99% p.a. to 14.99% p.a. (comparison rates 8.10% p.a. to 16.06% p.a.) and is available as a secured loan.
*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: An unsecured 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).
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, however if you decide to make early or extra repayments, an early termination fee may apply.