Our personal loans are tailored to suit you, only you, to take you where you want to be. Whether it’s money for a renovation, holiday or for consolidating debt, check the rates below and let’s do this.
Check your rate
We’ll ask you a few quick questions about your circumstances and credit history to give you a personalised interest rate and repayment amount.
This won't affect your credit score
Fees & charges
|Establishment Fee||$140 for loans under $5,000|
|$299 for loans of $5,000 or more|
|Loan Service Fee||$13 per month|
|Payment handling fee for using Australia Post||$1.50|
|Payment handling fee for using BPAY®||$1.50|
|Late Payment Fee:||$35 (increasing to $40, effective June 22nd, 2022) in the event that you can’t make the minimum repayment by your agreed due date|
|Early Termination Fee:||$300 within the first half of your loan term|
|$0 within the second half of your loan term|
What will my repayments be?Let's calculate
Why choose a Latitude loan?
Apply for your personal loan in under 10 minutes, get an application response in 60 seconds and once settled you’ll get the funds in your account in less than 48 hours.
At Latitude, you can choose to pay monthly, fortnightly or weekly, plus you can make additional repayments along the way1, saving you interest.
Let’s talk loan details
|Fixed rate||For the life of the loan|
|Loan amounts||From $3,000|
|Repayments||Weekly, fortnightly, monthly|
|When||Choose the day of the week your repayments are deducted|
|Loan terms||1 - 7 years|
|Loan types||Secured and unsecured|
|Other benefits||Extra repayments accepted1|
How to apply
- Check your interest rate online in 3 minutes without impacting your credit score.
- Apply online and receive a response in 60 seconds.
- Provide required documents, such as your payslips and identification documents.
- Accept and return your loan contract online.
- Obtain funds within 24-48 hours of us receiving your online acceptance.
- Be 18 years or over
- Be a permanent Australian resident
- Be currently employed and have a regular income
- Be able to demonstrate a good credit history for the last 5 years
- Be free from bankruptcy for the last 7 years
- Be a new Latitude Personal Loan customer
Frequently asked questions
What can I use my loan for?
Application and approval
^ Approved customers only. Terms, conditions, fees and charges apply for Latitude Personal Loan. Terms, conditions, fees and charges apply for Latitude Car and Motor Loan. All applications are subject to lending and approval criteria.
Loan terms range from 1-7 years.
Latitude Personal Loan rates range from 5.99% p.a. to 24.99% p.a. for secured loans (comparison rates 7.32% p.a. to 26.22% p.a.) and 7.99% p.a. to 25.99% p.a. for unsecured loans (comparison rates 9.31% p.a. to 27.22% p.a.).
Latitude New and Used Car (Including Boat, Caravan, Motorbike and Commercial Vehicle) Loan rates are 6.99% p.a. and 11.99% p.a. (comparison rates 8.24% p.a. and 13.22% 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: A personal loan of $30,000 borrowed for 5 years with an interest rate of 10.99% p.a. (12.28% p.a. comparison rate), would equate to a total amount payable of $40,233 (including a $299 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 if the loan is repaid within the first half of your loan term.