--- title: "Latitude Personal Loans — Latitude Personal and Motor Loans" description: "Personal Loans from Latitude Personal and Motor Loans. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/latitude-personal-and-motor-loans/products/8a6acbba-43ed-4a06-b9bd-aad629d68b6e source: "CDR Compare" language: en-AU last_updated: 2026-08-24T04:33:52.227Z --- # Latitude Personal Loans — Latitude Personal and Motor Loans > Personal Loans from Latitude Personal and Motor Loans. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Personal Loans** Loan from Latitude Personal and Motor Loans. Flexible repayment options including weekly, fortnightly, or monthly repayments via Direct Debit or BPAY. Minimum borrowing amount of $5,000 with the maximum depending on individual circumstances and financial situation. ## At a glance - **From:** 9.99% (11.66% comparison) ## Apply Applications are handled by the provider: [Apply at Latitude Personal and Motor Loans](https://www.latitudefinancial.com.au/personal-loan/) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 7 years (Rates remain fixed for the entire loan term $500 early termination fee (up until the final 3 months of loan term) Flexible repayment options with weekly, fortnightly, or monthly repayments Why choose a fixed rate? A fixed rate makes budgeting easier. It’s ideal if you want certainty and peace of mind. Your interest rate stays the same, no surprises, no changes. Minimum rate) | 9.99% | 11.66% | — | | Variable (Rates are subject to change throughout the loan term No early termination fee Flexible repayment options with weekly, fortnightly, or monthly repayments Redraw extra repayments at no cost Why choose a variable rate? A variable rate offers flexibility. Ideal if you want to pay off your loan early with fewer restrictions. Minimum rate) | 9.99% | 11.66% | — | | Fixed · 7 years (Rates remain fixed for the entire loan term $500 early termination fee (up until the final 3 months of loan term) Flexible repayment options with weekly, fortnightly, or monthly repayments Why choose a fixed rate? A fixed rate makes budgeting easier. It’s ideal if you want certainty and peace of mind. Your interest rate stays the same, no surprises, no changes. Maximum rate.) | 29.39% | 30.97% | — | | Variable (Rates are subject to change throughout the loan term No early termination fee Flexible repayment options with weekly, fortnightly, or monthly repayments Redraw extra repayments at no cost Why choose a variable rate? A variable rate offers flexibility. Ideal if you want to pay off your loan early with fewer restrictions. Maximum rate.) | 29.39% | 30.97% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Establishment Fee — One-off establishment fee charged at loan setup. | Upfront | $395.00 | | Loan Service Fee — Charged monthly · $16.50 per month. | Ongoing | $16.50 | | Early Termination Fee — For Fixed Loans- $500 early termination fee (up until the final 3 months of loan term). | Exit | $500.00 | | Late Payment Fee — $45 if minimum repayment is not made by the agreed date | Event | $45.00 | | BPAY Payment Handling Fee — Fee charged for payments made via BPAY. | Payment | $1.95 | | Direct Debit Fee — No fee for payments made via Direct Debit. | Payment | $0.00 | | Brokerage Fee — This fee is applicable to broker-submitted applications. | Other | From $0.00 | ## Features - **Digital banking** (Repayment Options You can opt to make weekly, fortnightly or monthly repayments by Direct Debit or BPAY. Payment via BPAY will incur a payment handling fee of $1.95.) - **Redraw facility** (Redraw is a feature of Latitude Variable Rate Personal Loans that gives access to additional repayments you've made on your loan. There's no cost to redraw and no need to reapply for a new loan. Just flexible access to funds when you need them. Call 1300 973 422 to see if you are eligible.) - **Extra repayments** (You can opt to make weekly, fortnightly or monthly repayments by Direct Debit or BPAY. Payment via BPAY will incur a payment handling fee of $1.95.) - **Simple application Apply online in under 7 minutes. Only a few documents needed for ID and income verification.** - **Flexible financing No early repayment fee on variable loans. Access additional repayments you've made when you need them with Redraw on variable loans.** - **Solutions to suit you Our team will help you through the process. Loan options tailored to your specific needs** - **Instalment plan** (Want a 3 month payment pause? No payments for the first 3 months Eligible customers* can opt in to skip the first 3 month repayments with a payment pause. Interest & fees apply Interest and fees will still be accrued during the deferred payment period. First payment in month 4 Your first repayment is due in month 4. You can still choose to pay earlier. Loan term extends by 3 months Your loan term will increase by 3 months to accommodate the payment pause. *Available to new Personal Loan customers only. If eligible this will be confirmed when you receive your quote. Note if you defer your repayments, your loan will take longer to pay back. This is because we charge interest during your payment pause.) - **Top-ups Need extra funds? A Personal Loan Top-up can help Apply through the Personal Loans Portal to see if you’re eligible. Available to all existing eligible Latitude Personal Loan customers.** ## Eligibility - **Minimum age** — 18 years (Be at least 18 years of age.) - **Good Credit History Be able to demonstrate a good credit history for the last 5 years.** - **Residency status** — Australian Permanent Resident (Be an Australian Permanent Resident.) - **Bankruptcy Free Be free from bankruptcy for the last 7 years.** - **Employment status** — Employed (Be currently employed and earning at least $25,000 gross per annum.) - **Minimum income** — $25,000.00 p.a. (Be currently employed and earning at least $25,000 gross per annum.) ## Constraints - **Loan terms 2 to 7 years Secured or unsecured** - **Minimum limit** — $5,000.00 (The minimum amount you can borrow with a personal loan is $5,000, with the maximum depending on your circumstances and current financial situation.) ## More information from Latitude Personal and Motor Loans - [Overview](https://www.latitudefinancial.com.au/personal-loan/) - [Terms & conditions](https://assets.latitudefinancial.com/brochures/au/latitudemoney/personal-loans-terms-conditions.pdf) - [Eligibility](https://www.latitudefinancial.com.au/personal-loan/#) - [Fees & pricing](https://www.latitudefinancial.com.au/personal-loan/#compare-products) ## Data provenance - Published by Latitude Personal and Motor Loans under the Consumer Data Right - Product ID: `8a6acbba-43ed-4a06-b9bd-aad629d68b6e` - Last updated by the provider: 24 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/latitude-personal-and-motor-loans/8a6acbba-43ed-4a06-b9bd-aad629d68b6e - Provider page: https://www.cdrcompare.au/brands/latitude-personal-and-motor-loans --- Source: [CDR Compare](https://www.cdrcompare.au/brands/latitude-personal-and-motor-loans/products/8a6acbba-43ed-4a06-b9bd-aad629d68b6e) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider. Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)