Personal Loan Unsecured
Achieve your personal goals with an unsecured fixed loan for up to 5 years - consolidate debts, home renovations, dream holiday or investment venture, education, wedding or household goods.
- From
- 12.49%
- 15.58% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years. These rates are for unsecured loans only. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. | 12.49% | 15.58% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| ESTABLISHMENT_FEE_PL Capped at $0.00 · To be paid at time of funding/disbursement | Upfront | $200.00 |
| LATE_REPAYMENT_FEE Capped at $0.00 | Event | $15.00 |
| LOAN_MONTHLY_FEE Charged monthly · Capped at $0.00 | Ongoing | $8.00 |
| STAFF_TRANSFER Capped at $0.00 | Event | $10.00 |
| PREPAYMENT_FEE_-_UNSECURED_LOANS Capped at $0.00 · Payable when you pay out the contract early. Waived if you refinance with us or paid out with savings. | Event | $25.00 |
Features
- Redraw facility
- Free redraw on additional payments made. Minimum $200
- Unsecured personal loan
- No restriction on amount of additional payments you make
- Make weekly, fortnightly or monthly repayments
- 1 to 5 year loan terms available
- Digital banking
- Secure banking 24/7 from your computer or mobile with Online Banking
- Digital banking
- 24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen.
Eligibility
- Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.
- Minimum age — 18 years
- Residency status — AUIndividuals must be citizens or permanent residents of Australia.
- Individuals onlyAvailable for personal borrowers only
- Loan can be for any purpose
Constraints
- Minimum limit — $5,000.00
- Maximum limit — $50,000.00
More Information
Published by Northern Inland Credit Union Limited under the Consumer Data Right · Last updated 11 May 2026 · Product ID NICUL77F · View on CDR.gov.au