Secured Personal Loan

Variable from 9.49%^ p.a.
Comparison rate 10.37%* p.a.

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

Interest Rates

Variable
Variable Rate
9.49
%
p.a.
^
to
29.99
%
p.a.
^
Comparison Rate
10.93
%
p.a.
*
to
31.83
%
p.a.
*
Fixed
Fixed Rate
9.49
%
p.a.
^
to
29.99
%
p.a.
^
Comparison Rate
10.93
%
p.a.
*
to
31.83
%
p.a.
*

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

Other InformationLoans with a variable interest rate are subject to change throughout the duration of the loan

Fees & charges
Establishment Fee$395
Loan Service Fee$13 per month
Payment handling fee for using BPAY®$1.95
Late Payment Fee:$45 in the event that you can't make the minimum repayment by your agreed date
Early Termination Fee:Fixed loan:
$500 up until the last 3 months of the loan term
Variable loan:
No early termination fee
Other InformationLoans with a variable interest rate are subject to change throughout the duration of the loan

How to apply

  1. Check your interest rate online in 3 minutes without impacting your credit score.
  2. Apply online and receive a response in 60 seconds.
  3. Provide required documents, such as your payslips and identification documents.
  4. Accept and return your loan contract online.
  5. Obtain funds within 24-48 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

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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 Fixed Personal Loan rates range from 9.49% p.a. to 29.99% p.a. (comparison rates 10.93% p.a. to 31.83% p.a.).
Latitude Variable Personal Loan rates range from 9.49% p.a. to 29.99% p.a. (comparison rates 10.93% p.a. to 31.83% 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. (17.40% p.a. comparison rate), would equate to a total amount payable of $45,418 (including a $395 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.