Before you apply for your loan, make yourself familiar with our costs. Below, you'll find a breakdown of the main costs you'll find in your personal loan contract.

The basics

Small personal loan

An unsecured loan of $300 to $200, repaid over 3 to 6 months.

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Establishment fee

A once-off fee of up to 20% of the principal. This amount is built into repayments.

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Ongoing fees

A monthly fee of 4% of the principal. Charged per month or part thereof, where there is an outstanding balance.

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Other fees

$27.50 is added to your account when direct debits or other due payments are not made in full.

Medium personal loan

A secured loan of $2100 to $4600 requiring a car, motorbike, boat or caravan to be provided as security.

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Establishment fee

A once-off fee of $400. This amount is built into repayments.

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Ongoing fees

An annual percentage rate of 48% of the principal. Interest charged per month or part thereof, where there is an outstanding balance.

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Other fees

$27.50 is added to your account when direct debits or other due payments are not made in full.

Large personal loan

A secured loan of $5,000 requiring a car, motorbike, boat or caravan to be provided as security.

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Ongoing fees

An annual percentage rate of 21.24% of the principal. Interest charged per month or part thereof, where there is an outstanding balance.

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Other fees

$27.50 is added to your account when direct debits or other due payments are not made in full.

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How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
*Max Comparison Rate:199.43%
VIEW EXAMPLE

Small Loan Example

Loan amount:$1,000
Terms:12 Months,
(50 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$33.60
VIEW LOAN DETAILS

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
APR:48%
*Max Comparison Rate:67.41%
VIEW EXAMPLE

Medium Loan Example

Loan amount:$3,000
Terms:18 Months,
(78 weekly repayments)
Establishment fee:$400
Total other fees:$1,379.06 (reducing interest)
Total payable:$4,779.06
Weekly installments:$61.27
VIEW LOAN DETAILS

Large Loans

$5000

large potplant
Loan amount:$5,000
Terms:13 - 24 months
APR:21.24%
*Max Comparison Rate:48%
VIEW EXAMPLE

Large Loan Example

Loan amount:$5,000
Term:18 months,
(78 weekly repayments)
Establishment fee:$400
Total Interest:$2,027.80
Total payable:$7,027.80
Weekly installments:$90.10
VIEW LOAN DETAILS
*WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

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