Aussie Personal Loan - Interest Rates From 12.99% | finder.com.au

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.)

13.94%

Comparison Rate (p.a.)

$3,000

Min Loan Amount

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Details

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.

Compare other personal loans

Data updated regularly
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
Symple Loans Personal Loan

From 5.75% (variable)
6.47%
$5,000
1 to 7 years
from 0% to 5% of the loan amount
$10
You'll receive a personalised interest rate from 5.75% p.a. to 25.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
Plenti Personal Loan

From 6.39% (fixed)
6.39%
$2,001
3 to 7 years
$0 to $999
$0
You'll receive a fixed rate between 6.39% p.a. and 17.89% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.
SocietyOne Unsecured Personal Loan (2-3 years)

From 6.39% (fixed)
6.39%
$5,000
2 to 3 years
from 0% to 5% of the loan amount
$0
You'll receive a fixed rate between 6.39% p.a. and 17.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
SocietyOne Unsecured Personal Loan (5 years)

From 6.39% (fixed)
6.39%
$5,000
5 years
from 0% to 5% of the loan amount
$0
You'll receive a fixed rate between 6.39% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
Alex Personal Loan

From 5.49% (fixed)
5.49%
$2,100
6 months to 5 years
$0 (Waived $295 establishment fee)
$0
You'll receive a fixed interest rate from 5.49% p.a. to 19.99% p.a. based on your risk profile
Borrow between $2,100 and $30,000 from 6 months to 5 years. Note: The $295 establishment fee will be waived for loan applications submitted by 3 May 2021
Harmoney Unsecured Personal Loan

From 6.99% (fixed)
7.79%
$2,000
3 to 5 years
$575 ($275 for loans of below $5,000)
$0
You'll receive a fixed rate between 6.99% p.a. and 24.79% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.
Wisr Personal Loan

From 6.49% (fixed)
6.76%
$5,000
3 to 5 years
$595
$0
You'll receive a fixed rate between 6.49% p.a. and 19.95% p.a. based on your risk profile
A loan from $5,000 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.
OurMoneyMarket Personal Loan

From 5.35% (fixed)
6.31%
$2,001
1 to 7 years
1.5–6% of your total loan amount
$0
You'll receive a fixed rate from 5.35% p.a. to 20.99% p.a. based on your risk profile
A personalised loan from $2,001 to $75,000 that varies based on your credit history and financial situation.


⭐ Finder Exclusive: Apply before April 30th to secure a discounted rate of 5.35% p.a. (comparison rate: 6.31% p.a.) for the first 12 months.
CUA Unsecured Fixed Rate Personal Loan
9.39% (fixed)
9.64%
$5,000
1 to 7 years
$175
$0
You'll receive a fixed rate of 9.39% p.a.
An unsecured loan from $5,000 with flexible repayments and no monthly fee.
Latitude Personal Loan (Unsecured)

From 7.99% (fixed)
9.24%
$3,000
1 to 7 years
$250 (Loans under $5000 - $140)
$13
You'll receive a fixed rate between 7.99% p.a. and 22.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Repay weekly, fortnightly or monthly. You can check your interest rate before applying with no impact to your credit score.
NAB Personal Loan Unsecured Fixed

From 6.99% (fixed)
7.91%
$5,000
1 to 7 years
$150
$10
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.
MoneyMe Personal Loans

From 6.25% (fixed)
7.64%
$2,100
1 to 5 years
from $295 to $495
$10
You'll receive an interest rate between 6.25% p.a. and 19.95% p.a. based on your risk profile
Borrow up to $50,000 with no hidden fees or costs. Application process usually takes 5 minutes to complete and is done fully online.
Plenti Variable Rate Personal Loan

From 6.39% (variable)
6.39%
$2,001
1 to 3 years
$0 to $999
$0
You'll receive a variable rate from 6.39% p.a and 16.89% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 12 months. Benefit from transparent costs and a rate estimate before you apply.
Pepper Money No Fee Personal Loan

From 5.95% (fixed)
5.95%
$5,000
18 months to 7 years
$0
$0
You'll receive a fixed rate between 5.95% p.a. and 17.95% p.a. based on your risk profile
Borrow from $5,000 to $50,000 and use for a range of purposes. Pay no upfront, early repayment or ongoing fees.
CUA Unsecured Variable Personal Loan
11.89% (variable)
12.15%
$5,000
1 to 7 years
$175
$0
You'll receive a variable rate of 11.89% p.a.
Borrow from $5,000 with the option for flexible repayments and no monthly fees.
NAB Personal Loan Unsecured Variable Rate

From 6.99% (variable)
7.91%
$5,000
1 to 7 years
$150
$10
You'll receive a variable rate between 6.99% p.a. and 18.99% p.a. (7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes. Benefit from fee-free additional repayments and a redraw facility. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.
NOW Finance No Fee Unsecured Personal Loan

From 5.95% (fixed)
5.95%
$5,000
18 months to 7 years
No Establishment Fee
$0
You'll receive a fixed rate between 5.95% p.a. and 17.95% p.a. based on your risk profile
Borrow from $5,000 to $7,999 with loan terms between 18 months and 3 years or borrow $8,000 to $50,000 with loan terms between 18 months and 7 years.


⭐ Finder Exclusive: Get a free $200 Westfield e-gift card once your loan application has settled. Offer ends on 30 April 2021. T&Cs apply.
People's Choice CU Discounted Personal Loan

From 7.99% (fixed)
8.35%
$10,000
1 to 10 years
$250
$0
You'll receive a fixed rate from 7.99% p.a. for 5 years
Secure this loan with a vehicle up to 7 years old and benefit from long loan terms up to 10 years and pre-approval.
People's Choice CU Unsecured Personal Loan (Low Rate)
8.99% (fixed)
10.73%
$2,000
1 to 7 years
$250
$0
You’ll receive a fixed rate from 8.99% p.a. based on your risk profile
Borrow between $2,000 and $40,000 up to 7 years. No penalties for early payout or additional repayments and no monthly account fee.
Citi Personal Loan Plus

From 8.90% (variable)
9.18%
$5,000
3 to 5 years
$199
$0
You'll receive a variable rate between 8.90% p.a. and 17.99% p.a. (9.18% p.a. to 17.99% p.a. comparison rate) based on your risk profile
A credit limit up to $40,000 that you can continue to draw down over terms up to 5 years.
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Compare up to 4 providers

Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 24.79% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.

Logo for ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 10.5% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

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45 Comments

    Default Gravatar
    Shahida
    December 4, 2019

    I want to apply for personal loan am I eligible

      Default Gravatar
      Nikki
      December 6, 2019

      Hi Shahida,

      Thanks for your comment and I hope you are doing well.

      It’s helpful to know that to be able to know your full eligibility to apply fo this loan, you can reach out to Aussie Personal Loan directly. To get you a head start on the published eligibility requirements of this lender, please read the part of the page that says “How you can apply for the Aussie Personal Loan”

      As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      I hope this helps and feel free to reach out to us again for further assistance.

      Best,
      Nikki

    Default Gravatar
    Dimi
    October 4, 2016

    Hi.

    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.

    Dimi

      Avatarfinder Customer Care
      Elizabeth
      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,

      Elizabeth

    Avatarfinder Customer Care
    Elizabeth
    August 29, 2016

    Hi Joan,

    Unfortunately, you need to be currently employed to be eligible for an Aussie Personal Loan. You may want to consider loans for retirees.

    I hope this helps,

    Elizabeth

    Default Gravatar
    mist46
    August 22, 2016

    CAN I BORROW UP 5000 IM OVER 18 AND EARN 23K A YEAR

      Avatarfinder Customer Care
      Elizabeth
      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,

      Elizabeth

    Default Gravatar
    Pip
    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?

      Avatarfinder Customer Care
      Elizabeth
      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,

      Elizabeth

    Default Gravatar
    Brian
    May 20, 2016

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

      Avatarfinder Customer Care
      Elizabeth
      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,

      Elizabeth

    Default Gravatar
    Gemma
    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?

      Avatarfinder Customer Care
      Elizabeth
      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,

      Elizabeth

    Default Gravatar
    julie
    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?

      Avatarfinder Customer Care
      Elizabeth
      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,

      Elizabeth

    Default Gravatar
    Rob
    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

      Avatarfinder Customer Care
      Elizabeth
      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,

      Elizabeth

    Default Gravatar
    Priteshni
    April 6, 2016

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

      Avatarfinder Customer Care
      Elizabeth
      April 6, 2016

      Hi Priteshni,

      To be eligible for the Aussie personal 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.

      Hope this helps,

      Elizabeth

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