Aussie Personal Loan

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With a low minimum amount and a fixed interest rate, the Aussie Personal Loan can help you finance what you need.

The Aussie Personal Loan is designed to give you access to the funds you need for your next purchase, combining a competitive interest rate with a low minimum loan amount. It offers fixed repayment amounts and tailor your repayment schedule to fit your budget.

Aussie is no longer offering its personal loans to new customers. You can compare your other personal loan options here.

From 12.99% (fixed)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount


Product NameAussie Personal Loan
Interest Rate (p.a.)From 12.99% (fixed)
Comparison Rate (p.a.)13.94%
Interest Rate TypeFixed
Min Loan Amount$3,000

Things to consider about the Aussie Personal Loan

The Aussie Personal Loan can be used for a variety of purposes including holidays, weddings, cars, renovations or debt consolidation. The loan comes with a fixed interest rate of 12.99% p.a. so your repayments are locked in to keep your finances simple. The Aussie Personal Loan is unsecured so you won’t have to put any of your assets up as collateral. Keep in mind that paying off your loan early will attract a fee.

Features of the Aussie Personal Loan

  • Fixed interest rate. The Aussie Personal Loan features a fixed rate from 12.99% p.a. for the life of the loan (comparison rate of 13.94% p.a.).
  • Fees and charges. There is a $199 establishment fee and an ongoing administration fee of $10 per month. If you choose to pay off your loan early, there is also an early termination fee.
  • Loan terms. Choose a loan term between 1 to 7 years.
  • Loan amount. The minimum loan amount to qualify for the advertised fixed interest rate is $3,000.
  • Repayment options. Standard repayments are monthly but you can choose to make them weekly or fortnightly to line up with your budgeting preferences.

How you can apply for the Aussie Personal Loan

If the Aussie Personal Loan sounds like the right option for you, click "Go to Site" to be transferred to Aussie’s secure online application form. In order to be approved you must:

  • Be 18 years or older
  • Have permanent residency in Australia
  • Be working in a consistent job that pays more than $24,000 p.a.
  • Have had a clean credit history for the past five years

Have the following on hand to complete your application:

  • Your driver’s licence or proof of residency
  • Details of your financial situation including income, assets, expenses and liabilities
  • Proof of employment including details of your employer and tax returns

It will take approximately 15 minutes to complete the online application form. You do not need to be a current customer of Aussie to apply.

The Aussie Personal Loan offers reliability and peace of mind with a fixed rate and repayment options. Click "Go to Site" if it sounds like the right loan for your next purchase.

Personal Loan Offers

Important Information*
Logo for Citi Personal Loan Plus
Citi Personal Loan Plus

You'll receive a variable rate between 9.99% p.a. and 17.99% p.a. (9.99% p.a. to 17.99% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years. Note: No establishment fee and no monthly account service fees apply if you apply and are approved before 31 March 2020.

Logo for RateSetter Unsecured Personal Loan - 3yr Variable
RateSetter Unsecured Personal Loan - 3yr Variable

You'll receive a variable rate between p.a. and 16.40 p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.

Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 28.69% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.

Logo for NOW FINANCE Personal Loans
NOW FINANCE Personal Loans

You'll receive a fixed rate between 8.95% p.a. and 16.95% p.a. based on your risk profile
Apply for loans from $5,000 and get a dedicated loan manager. No security required.

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  1. Default Gravatar
    October 4, 2016


    I want to consolidate 2 personals & borrow abit more

    1st personal loan is 39k
    2nd personal loan is 50k

    Plus im looking to borrow between 5-10k more totalling 100k

    I work & earn im excess of 70k a year.
    I do however have a home loan of 400k which is with my wife. But prefer to keep personal loan seperate.


    • AvatarStaff
      October 5, 2016

      Hi Dimi,

      I can’t confirm whether or not you’ll be approved for a new personal loan as it will depend on your exact income, your employment, your credit history and how much the lender determines you can borrow. If you meet the basic eligibility criteria you will be able to apply but you will only be approved for an amount you can afford.

      Hope this helps,


  2. AvatarStaff
    August 29, 2016

    Hi Joan,

    Unfortunately you need to be currently employed to be eligible for an Aussie Personal Loan. You can compare your other options on this page.

    I hope this helps,


  3. Default Gravatar
    August 22, 2016


    • AvatarStaff
      August 22, 2016

      Hi Mist46,

      As long as you meet the eligibility criteria outlined on the page above, including that your income is from a regularly-paying job, you’re able to apply for an Aussie Personal Loan. Keep in mind that your eligibility will come down to your ability to afford the repayments.

      I hope this helps,


  4. Default Gravatar
    June 29, 2016

    I want to apply for a loan of $50000 but have no assets. I am over 18 and work part time currently and earn a little over the $24k a year. What are my chances?

    • AvatarStaff
      July 12, 2016

      Hi Pip,

      Apologies for the delayed response.

      As you earn an annual income of $24,000 you meet the minimum income criteria and are eligible to apply. Aussie will consider the details you supply in your application and your eligibility to afford the loan when deciding whether to approve you.

      I hope this helps,


  5. Default Gravatar
    May 20, 2016

    Can I borrow $20,000 on a joint casual income of $106,000 per annum?

    • AvatarStaff
      May 23, 2016

      Hi Brian,

      The criteria for an Aussie Personal Loan is that you’re “currently earning a salary with an annual gross income of more than $24,000 or in regular paid employment where you earn an annual gross income of more than $24,000”. You also need to be out of the probation period of your employment.

      If you meet this criteria you can apply. However, you can submit a joint application for this loan.

      I hope this helps,


  6. Default Gravatar
    May 14, 2016

    I want to apply for a $6000 personal loan for education purpose. I work 38 hours per week casually and have been there 4 months. Can i get a loan?

    • AvatarStaff
      May 16, 2016

      Hi Gemma,

      Aussie’s eligibility criteria is that you must be “in consistent paid employment and be earning $24,000 p.a.”. You also need to be outside of your probation period. If you meet this criteria you can be considered for a loan.

      Hope this helps,


  7. Default Gravatar
    April 29, 2016

    Hi Julie here again wondering whether I am eligible for a secured Aussie personal loan of $3000 over three or four years. I am as I have said asset rich but cash poor, the personal loan is to help restore finances to cover what had been ever ongoing medical a pharmacy expenses and pay back family and close friend who helped me out whilst covering all the medical requirements and other costs involved in a final diagnosis,,,my draw back is that I am no longer working But on the disability. Thanks JULIE should I ring Aussie loans?

    • AvatarStaff
      April 29, 2016

      Hi Julie,

      Unfortunately you need to be in regular paid employment to be eligible for an Aussie personal loan. You can find a full list of lenders that consider people on pension benefits on this page – if you’re looking for a bank loan you can click to the second tab in the table “banks” and take a look at the eligibility criteria. Click through to the pages by clicking on the name of the lender to find out more information. But ringing the lenders to check your eligibility is a great place to start with your application!

      I hope this information has helped,


  8. Default Gravatar
    April 20, 2016

    I work casual and have minimum 3 days work a week and take home minimum 400 a week but I Am always at work and guaranteed a job for a long term! Am I legible for a loan and if I am how do I go about my bank statements and stuff

    Thanks in advance

    • AvatarStaff
      April 20, 2016

      Hi Rob,

      Unfortunately you don’t meet the minimum requirements for this loan as you need to be earning a minimum of $24,000 per year. You can find out more about your options on this page.

      Hope this helps,


  9. Default Gravatar
    April 6, 2016

    Hi l am not working but will be starting to work in 2 months time can I get the loan

    • AvatarStaff
      April 6, 2016

      Hi Priteshni,

      Unfortunately, to be eligible for this loan you need to be currently employed in a job that earns more than $24,000 p.a. If you’re able to wait until you’ve been working for a couple of months to apply then you may want to consider doing so. If not, you can consider your unemployed loan options on this page.

      Hope this helps,


  10. Default Gravatar
    April 1, 2016

    I have a loan with you already & need the details to make a payment by BPay please.
    Thank you

    • AvatarStaff
      April 4, 2016

      Hi Karen,

      You’ve come through to, a financial comparison service and not Aussie. You’ll need to contact them directly to find out the BPAY details to make your payments.



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