--- 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: 2026-10-12T00:31:29.561Z --- # 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:** 8.99% (10.67% 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 | | --- | --- | --- | --- | | Discount (Get a 2% discount on your personalised rate and save $395 on the establishment fee when you apply with Latitude Financial Services before 30 November. Rates shown include any applicable discount. Discount on Comparison rate is between 2.53% and 2.67%. T&Cs apply. Learn more by clicking “Go to site”. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with an interest rate of 17.99% p.a. (19.60% p.a. comparison rate), would equate to a total amount payable of $47,290 (including a $395 establishment fee and $16.50 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.) | 2% | 2.53% | — | | Fixed · 7 years (This product is a secured fixed rate personal loan. 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. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. EXAMPLE: A secured personal loan of $30,000 borrowed for 5 years with an interest rate of 16.99% p.a. (18.61% p.a. comparison rate), would equate to a total amount payable of $46,303 (including a $395 establishment fee and $16.50 monthly loan servicing fees). ) | 8.99% | 10.67% | — | | Variable (This product is a secured variable rate personal loan. Minimum Interest rate. 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. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. EXAMPLE: A secured personal loan of $30,000 borrowed for 5 years with an interest rate of 16.99% p.a. (18.61% p.a. comparison rate), would equate to a total amount payable of $46,303 (including a $395 establishment fee and $16.50 monthly loan servicing fees).) | 8.99% | 10.67% | — | | Fixed · 7 years (This product is an unsecured fixed rate personal loan. 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. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with an interest rate of 17.99% p.a. (19.60% p.a. comparison rate), would equate to a total amount payable of $47,290 (including a $395 establishment fee and $16.50 monthly loan servicing fees). ) | 9.99% | 11.66% | — | | Variable (This product is an unsecured variable rate personal loan. Minimum Interest rate. 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. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with an interest rate of 17.99% p.a. (19.60% p.a. comparison rate), would equate to a total amount payable of $47,290 (including a $395 establishment fee and $16.50 monthly loan servicing fees).) | 9.99% | 11.66% | — | | Fixed · 7 years (This product is a secured fixed rate personal loan. 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. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. EXAMPLE: A secured personal loan of $30,000 borrowed for 5 years with an interest rate of 16.99% p.a. (18.61% p.a. comparison rate), would equate to a total amount payable of $46,303 (including a $395 establishment fee and $16.50 monthly loan servicing fees).) | 28.39% | 29.97% | — | | Variable (This product is a secured variable rate personal loan. Maximum Interest rate. 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. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. EXAMPLE: A secured personal loan of $30,000 borrowed for 5 years with an interest rate of 16.99% p.a. (18.61% p.a. comparison rate), would equate to a total amount payable of $46,303 (including a $395 establishment fee and $16.50 monthly loan servicing fees).) | 28.39% | 29.97% | — | | Fixed · 7 years (This product is an unsecured fixed rate personal loan. 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. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with an interest rate of 17.99% p.a. (19.60% p.a. comparison rate), would equate to a total amount payable of $47,290 (including a $395 establishment fee and $16.50 monthly loan servicing fees).) | 29.39% | 30.97% | — | | Variable (This product is an unsecured variable rate personal loan. Maximum Interest rate. 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. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with an interest rate of 17.99% p.a. (19.60% p.a. comparison rate), would equate to a total amount payable of $47,290 (including a $395 establishment fee and $16.50 monthly loan servicing fees).) | 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 | | Loan Establishment Fee Waiver — WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with an interest rate of 17.99% p.a. (19.60% p.a. comparison rate), would equate to a total amount payable of $47,290 (including a $395 establishment fee and $16.50 monthly loan servicing fees). | Upfront | $0.00 | | Loan Establishment Fee Waiver — Get a 2% discount on your personalised rate and save $395 on the establishment fee when you apply with Latitude Financial Services before 30 November. Rates shown include any applicable discount. T&Cs apply. Learn more by clicking “Go to site”. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with an interest rate of 17.99% p.a. (19.60% p.a. comparison rate), would equate to a total amount payable of $47,290 (including a $395 establishment fee and $16.50 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. | Upfront | $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.** - **Secured or Unsecured Products ** ## 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 ) - **Minimum income** — $25,000.00 p.a. (Earning at least $25,000 gross per annum.) - **Individuals only** (Product is only eligible for natural persons.) ## Constraints - **The minimum loan term is 2 years 2 to 7 years Secured or unsecured** - **The Maximum loan term is 7 years ** - **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: 12 October 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)