Personalised Pricing FAQs

Your rate will fall somewhere within our rate range of, for example, an Unsecured Personal Loan is from 7.99% p.a. to 20.49% p.a. (comparison rate 9.18% p.a. to 21.61% p.a.^{^}). If you have an above average credit score, and based on your loan details, you may be offered a personalised rate at the lower end of the range, for example, from 7.99% p.a. (9.18% p.a.^{^})

If you have an average or below average credit score, and based on your loan details, you may be offered a personalised rate in the middle or higher end of the range.

Get your personalised rate for an Unsecured Personal Loan or Car Loan.

Understanding credit scores

Equifax is Australia’s largest credit reporting bureau. We send your information to Equifax so they can provide your credit score. This process doesn’t affect your credit score.

Getting your personalised rate doesn’t affect your credit score. Once you have your rate, if you choose to submit an application, a credit check will be carried out by Equifax and recorded on your credit report. 

The comparison rate can help you understand and compare the true cost of a personal loan. 

The interest rate is not the only cost of the loan - there’s other fees and charges too. The comparison rate includes in its calculation both the interest rate and some of these fees and charges that may be payable with a loan and reduces those to a single rate.

You should be aware that different loan amounts and loan terms will result in different comparison rates. Other costs like redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate, but may change the cost of the loan.

Currently personalised rates are only available for our Unsecured Personal Loan and Car Loan.

Use our helpful calculators to get an estimate on what your repayments could be and what you could borrow.

Borrowing power calculator

Repayment calculator

Car loan calculator