IMB Unsecured Personal Loan

Rates and fees last updated on

Take advantage of the competitive features offered by an IMB personal loan.

If you’re looking for a personal loan, but don’t want to be restricted by early repayment fees or limited loan amounts, then you might want to consider your options with IMB. They offer a competitive range of personal loans that can help you finance a new or used car purchase, make home renovations, or even just take your next holiday.

Product NameIMB Unsecured Personal Loan
Interest Rate (p.a.)From 11.69% (fixed)
Comparison Rate (p.a.)13.46%
Interest Rate TypeFixed
Min Loan Amount$2,000
Max. Loan Amount$20,000
Loan SecurityUnsecured


  • Flexible repayments of daily, weekly and monthly
  • No penalty for early repayments
  • No ongoing account keeping fees


  • Minimum loan amount of $2,000
  • Application fee of $250
  • Late fees may be charged

Things to consider about a personal loan from IMB

IMB personal loans can be used to finance a range of purchases, including cars, holidays, or even home repairs. Its loan products offer no ongoing account-keeping fees and flexible terms of up to seven years, depending on the loan you opt for. You can also enjoy cost-saving features such as no penalties for early repayments. Most IMB personal loans offer fixed monthly repayments, although some products, such as the Unsecured Personal Loan, let you select between weekly, fortnightly or monthly repayments.

Types of personal loans from IMB

  • Secured Personal Loan. You can take advantage of fixed repayments, no account-keeping fees, and the ability to borrow up to $60,000 with a Secured Personal Loan from IMB. Attach a new or used vehicle less than five years old and you can use the loan amount to finance anything from a second car purchase, renovations, or even a holiday.
  • Unsecured Personal Loan. With this loan you don’t have to attach an asset as security and you can use the loan amount, which can be up to $20,000, to finance anything you need to. The loan comes with a competitive rate, no account-keeping fees and no penalty for early payout.
  • New Car Loan. If you’re looking to purchase a new vehicle, an IMB New Car Loan can offer you fixed repayments, flexible terms for between 1 and 7 year(s) plus no account-keeping fees. The loan can accommodate for a wide range of car purchases, with available loan amounts ranging from $2,000 to $75,000.

Features of an IMB personal loan

  • Varying loan amounts. IMB personal loans offer a wide range of loan amounts, helping to cater to your borrowing needs no matter what your budget or the purpose of the loan.
  • No account-keeping fees. You won’t be charged account-keeping fees with IMB personal loans, which can help you save over the life of the loan.
  • Flexible terms. Depending on the loan you choose, you could have loan terms of between 1 year(s) and 5 year(s) or one and seven years.
  • Loan repayment insurance. All IMB personal loans have the optional extra of Loan Repayment Insurance, which offers cover should you find yourself not able to make repayments due to accident, sickness or involuntary unemployment.
  • No penalty for early repayment. You won’t incur fees or be penalised for paying back your loan early, which can help you save considerably on interest if you’re able to do so.
  • Interest rates. IMB offers competitive rates on its loan products, with interest being calculated daily and charged monthly.

How to apply for a personal loan from IMB

If you’d like to apply for a personal loan from IMB you can follow the secure link on this page to fill out an online application form. Make sure you meet the following criteria before you apply:

  • Are over the age of 18
  • Are a permanent Australian resident
  • Have never declared bankruptcy or had any judgements or legal action against you for the recovery of debt.

When you apply you’ll need to provide personal details and information relating to your open credit accounts, income, assets and debts.

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This page was last modified on 18 July 2016 at 5:46pm.

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10 Responses to IMB Unsecured Personal Loan

  1. Default Gravatar
    Wayne | May 19, 2017

    Hi would it be possible for someone to contact me regarding a personal loan/credit card please.

    • Staff
      Danielle | May 19, 2017

      Hi Wayne,

      Thank you for reaching out.

      If you are interested in applying for a personal loan, you can compare your options on this page. If you’ve chosen a lender from that page, then you can click on the ‘Go to site’ button if you wish to apply when you’re ready. Please review the criteria and details of the loan products before applying.

      Meantime, if you are also looking for a credit card, you may compare your options here. Please make sure to review the eligibility criteria of the card and it’s features to see if they meet your needs. If you think you are eligible for the card you’ve chosen, you can click on the ‘Go to site’ button to submit your application.

      Hope this helps.


  2. Default Gravatar
    Gopi | September 12, 2016

    Hi this is Gopi. I am working on 457 visa. I am looking for unsecured personal loan. But i have one default in my credit report. Need help with the loan.

    • Staff
      Elizabeth | September 13, 2016

      Hi Gopi,

      You can find out your options for loans as a temporary resident on this page. Click through to the lender’s offerings and see what credit history is required – as the majority of lenders are banks that require good credit your options look to include Fair Go Finance. Make sure you contact them before submitting an application to confirm your eligibility.

      Hope this helps,


  3. Default Gravatar
    Norman | May 14, 2016

    Can I get a loan on centre link pension

    • Staff
      Elizabeth | May 16, 2016

      Hi Norman,

      IMB may consider your application if you also receive a wage, but Centrelink benefits cannot be your sole source of income. If you’d like to review your alternate options, you can do so on this page.

      Hope this helps,


  4. Default Gravatar
    gal | February 9, 2016

    Hi there,
    Could I use this loan to purchase a second hand motorcycle?
    Thank you

    • Staff
      Elizabeth | February 10, 2016

      Hi Gal,

      With this loan you don’t have to attach an asset as security and you can use the loan amount, which can be up to $20,000, to finance anything you need to. If you do wish to apply, click the “Go to Site” button.



  5. Default Gravatar
    RUDOLF | January 15, 2016

    Hi there i was looking for a small loan i have the capability to pay repayments easily as i have no other debts only weekly living exp. I am on a disability pension and i am very responsible. Thank you.

    • Staff
      Elizabeth | January 18, 2016

      Hi Rudolf,

      Thanks for your question.

      The minimum criteria for this loan is that you Are over the age of 18, are a permanent Australian resident and have never declared bankruptcy or had any judgements or legal action against you for the recovery of debt. IMB judge each application on a case-by-case basis to ensure you will be able to afford the repayments. If you want to find out more about the loan you can click “Go to Site” to continue.

      I hope this has helped.



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