Latitude Personal Loan

Secured from 5.99%^ p.a.
Comparison rate 7.26%* 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.

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This won't affect your credit score


Fixed Rate
Comparison Rate

Fees & charges

Establishment Fee$140 for loans under $5,000
$250 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 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

Let’s talk loan details

Fixed rateFor the life of the loan
Loan amountsFrom $3,000
RepaymentsWeekly, fortnightly, monthly
WhenChoose the day of the week your repayments are deducted
Loan terms1 - 7 years
Loan typesSecured and unsecured
Other benefitsExtra repayments accepted1

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.


You must:
  • 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
For secured loans at 5.99% p.a.^ you must also:
  • Be a new Latitude Personal Loan customer

Important information

^ 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.

For Better Start Personal Loans the loan term is extended by an additional 3 months which represents the 3 month no interest and no repayment period.

Better Start Personal Loan is a promotional offer that ends 8 December 2021.

Latitude Personal Loan rates range from 5.99% p.a. to 21.99% p.a. for secured loans (comparison rates 7.26% p.a. to 23.15% p.a.) and 7.99% p.a. to 22.99% p.a. for unsecured loans (comparison rates 9.24% p.a. to 24.15% p.a.).

Latitude New and Used Car (Including Boat, Caravan, Motorbike and Commercial Vehicle) Loan rates are 5.99% p.a. and 9.99% p.a. (comparison rates 7.24% p.a. and 11.08% 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. (12.21% 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 at any time, however an early termination fee may apply if the loan is repaid within the first half of your loan term.