A couple reviewing their loan options at home

Personal loans

Borrow with a fixed rate and a payment that never changes

Loans from $1,000 to $50,000 over 1 to 7 years. Check your rate in minutes without affecting your credit score.

Check your rate Work out your payments

Borrow between

$1K–$50K

Repayment terms

1–7 years

Arrangement fees

How much would you like to borrow?

$15,000

$1,000$50,000

Over how long?

Example monthly payment

$483.30

Example APR

9.9%

Total repayable

$17,399

Illustrative figures only, calculated at a fixed 9.9% APR. This is not a loan offer.

What it's for

One loan, lots of possibilities

Consolidate debt

Combine card and store balances into one fixed monthly payment.

Improve your home

Fund a new kitchen, bathroom or the repairs you've been putting off.

Buy a car

Pay the seller upfront and own the vehicle outright from day one.

Life events

Weddings, moves and the other big moments that don't fit a monthly budget.

Why borrow with us

Straightforward from start to finish

Fixed rate, fixed payment

Your rate is set when you sign, so your payment never changes.

No arrangement or early repayment fees

Pay off part or all of your loan whenever you like.

Check your rate without affecting your credit

Pre-qualification uses a soft search that isn't visible to other lenders.

A real person reviews your application

If something needs clarifying, a lending specialist calls you.

Example rates

Term

APR range

Amount

1–2 years

7.99% – 14.99%

$1,000 – $15,000

3–5 years

9.49% – 18.99%

$5,000 – $35,000

6–7 years

11.99% – 21.99%

$15,000 – $50,000

Illustrative rates only. The rate you're offered depends on your circumstances and may differ from these examples.

How it works

Three simple steps

Step 1
Check your rate
Tell us how much you need and what it's for. It takes about 5 minutes.
Step 2
Apply
Confirm your income and identity. We'll let you know if anything else is needed.
Step 3
Get your money
Once you've signed your agreement, funds are paid into your account.

FAQs

Your questions answered

You need to be 18 or over, have a regular income and hold an account with us. We look at your whole financial picture, not just your credit score.

Yes. There are no early repayment fees, so you can make overpayments or settle the full balance at any time.

Your rate depends on your credit history, income, how much you borrow and for how long. You'll see your personal rate before you commit.

No. We never charge an upfront fee to release a loan. If anyone asks you to pay to receive a loan, it's a scam.

Personal loans can't be used for business purposes, gambling or paying for tuition. Take a look at our business loans if you're borrowing for a company.

Ready to see your rate?

It only takes a few minutes and won't affect your credit score.

Check your rate Talk to a lending specialist