Access a competitive minimum interest rate from 7.99% p.a. with this Finder exclusive offer.
With a Finder Score of 7, this loan's main advantage is its competitive minimum interest rate, which is in the top half of the loans we analyse. It also offers a high maximum borrowing amount.
However, borrowers should note the costs. The $395 application fee is in the top half of higher fees in our database and a $17 monthly fee adds to the total cost of borrowing.
Finder exclusive:
Get 2% p.a. off your interest rate and a $100 Finder Reward Visa Gift card when you apply through Finder by 31 Aug 2026 and settle your loan by 20 Sep 2026. Rates shown above already apply the 2% p.a. rate discount.
T&Cs apply.
Pros
Tailored interest rate
Low minimum borrowing amount
Secured or unsecured
Cons
Application fee of $395
$16.50 monthly fee
Early repayment fees may be charged
In this guide
Review
Details
Product details
Your reviews
Ask a question
Details
Product details
Product Name
Latitude Fixed Rate Unsecured Personal Loan - Finder Exclusive
Interest Rate (p.a.)
7.99% to 27.39%
Comparison rate (p.a.)
9.68% to 28.97%
Interest Rate Type
Fixed
Min Loan Amount
$5,000
Max. Loan Amount
$200,000
Loan Security
Secured or Unsecured
FINDER REWARDS EXCLUSIVE
Personal Loans
ENDS SOON
Get $100 from Finder
Apply for an eligible Latitude Personal Loan through Finder by 31 Aug 2026. Have your loan approved and settled by 20 Sep 2026 to receive a $100 Visa digital gift card.
T&Cs and limits apply.
Bottom 31% of 124 unsecured personal loans benchmarked
This productMarket average
How does Latitude Fixed Rate Unsecured Personal Loan - Finder Exclusive compare?
Competitive minimum interest rate. This loan's minimum rate of 7.99% p.a. is in the top half of the loans we analyse.
High maximum loan amount. This loan offers a higher maximum borrowing amount than many other personal loans in our database.
Higher-than-average application fee. The $395 application fee is in the top half of higher fees in our database.
How does the Latitude Financial Services fixed personal loan work?
The fixed option of Latitude Financial Services' personal loan locks in an interest rate, meaning repayments will remain the same throughout the loan term. Personalised rates reward good credit customers with lower rates and charge more for customers with a patchy credit history.
This loan can be used for any general purchase such as holidays or emergency expenses. You can borrow upwards of $5,000, with loan terms of up to 7 years. The maximum you can borrow depends on your circumstances and current financial situation.
What features does the Latitude Financial Services personal loan offer?
Secured or unsecured loan. You can opt for either the secured or unsecured option.
Fixed rate. Your interest repayments will remain the same for the lifetime of the loan. This makes it easier to predict and budget for your repayments.
Personalised rates. Your interest rate is based on your personal circumstances and credit score. How long you've been in stable employment, whether you own a home or have a mortgage and your stable residential status all influence your interest rate. If your risk profile is low, you will receive a lower rate. If your risk profile is higher, your rate will also be higher.
Extra repayments. You can make extra repayments, but a charge applies if the loan is fully repaid early within the first half of your loan term. You won't be charged for repaying your loan in the second half of your loan term.
How much does the Latitude Financial Services secured personal loan cost?
These are the costs associated with this loan:
Loan principal.
Fixed personalised interest charges ranging from 7.99% p.a. to 27.39% p.a.
Establishment fee of $395
Loan service fee of $16.50 per month
Payment handling fee of $1.50 for using BPAY.
Other fees that may apply include the following:
Late payment fee of $45
What are the pros and cons of the fixed Latitude Financial Services personal loan?
Pros
Easy to budget. With fixed interest rates, it’s easier to predict and budget for your repayments. Your interest charges remain the same for the entire loan term.
Lower interest for low-risk borrowers. If your risk profile is low, you can get a lower interest rate and keep down the cost of your loan.
Cons
Early repayment fees. With the fixed option you will incur a charge if you fully repay your personal loan early.
Higher interest for high-risk borrowers. With personalised interest rates, your interest rate depends on risk factors. This means that while some borrowers may benefit from lower rates, others may receive a higher rate and pay more for the same loan.
Am I eligible for the loan?
To be eligible for the loan, you must be:
Over 18 years old.
A permanent resident or citizen of Australia.
Currently employed and receiving regular income.
Able to demonstrate good credit history for the last 5 years.
Free from bankruptcy for the last 7 years.
A new Latitude Personal Loan customer.
How do I apply?
You can apply for the loan online through the Latitude Financial Services website. You can check the interest rate you receive without impacting your credit score.
You need to provide payslips and identification documents. You will receive funding within 24 to 48 hours of acceptance. Keeping your documents at hand will help speed up the process.
Sources
Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.
Finder is a comparison service. We do not compare every product or every provider in the market.
We make money through commercial arrangements with some of the providers on this site. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement.
Our editorial content, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements.
The default order of products in our tables can be influenced by commercial arrangements. You can re-sort or filter using the controls above each table.
Some content on this site may be generated or supported by AI tools. You should verify details directly with the provider.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
Our comparison service does not include every product or every provider in the market. Some product issuers offer their products under multiple brands or through associated companies. Where we can, we identify the underlying issuer so you can compare like with like, but you should always check with the provider directly to confirm which brand you are dealing with.
Finder is a comparison website and an intermediary. We are not a product issuer and we do not provide personal financial or credit advice. When you click a link to a product, or apply for a product through our site, you deal directly with the product issuer. We may receive a referral fee, commission or other payment from the issuer if you click through, apply or take out a product. We describe these arrangements in more detail under 'How we make money' below.
Product features, fees, terms and eligibility criteria are set by the product issuer and may change. We rely on information supplied by issuers when we present product details on our site. Before you apply for or take out any product, you should confirm the details directly with the issuer.
We earn revenue from Finder in four principal ways:
Referral fees and commissions. When you click a product link, complete an enquiry form or apply for a product through our site, we may receive a referral fee, commission or other payment from the product issuer. We may also receive payment based on the volume of leads or conversions we send to an issuer.
Sponsored placements. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement between Finder and the issuer. These labels always indicate a paid placement. We do not use them for editorial choices.
Display advertising. Banner advertising, newsletter advertising and similar display ads on our site are paid by advertisers.
Content sponsorship. Some articles, videos and social media posts are sponsored by an issuer and are clearly labelled as such.
Our editorial opinions, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements. A 'Top Pick' is an editorial choice made by our writers and editors based on the criteria described on each comparison page. A 'Top Pick' is not a personal recommendation and does not mean the product is appropriate for your circumstances.
If you would like to know whether we have a commercial arrangement with a specific product issuer, please contact us.
When products are grouped in a table or list, the default order can be influenced by commercial arrangements we have with product issuers. In some categories, sponsored or featured products appear in the top positions of the table by default, and are always labelled as such.
Other factors that influence default order include price, fees and features, and (where relevant) our editorial view of the product.
You can re-sort every comparison table using the controls above the table. You can filter by product features that matter to you. The order you see after re-sorting or filtering is not influenced by commercial arrangements.
Some content on this site is generated or supported by artificial intelligence tools, including our AI-powered assistant FinderBot. AI-generated content may contain errors. Please verify important information directly with the product issuer before making a financial decision. For more information about FinderBot, see the FinderBot Terms of Use and FinderBot Privacy Collection Notice.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
