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NAB Unsecured Personal Loan

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Get access to the funds you need with the NAB Unsecured Personal Loan.

The unsecured personal loan from NAB lets you borrow money to pay for a holiday, consolidate your debt, or fund any other expense or purchase. With this NAB loan, you're able to access competitive rates and borrow between $5,000 and $55,000.

From 9.99% (fixed)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.


Product NameNAB Personal Loan Unsecured Fixed
Interest Rate (p.a.)
From 9.99% (fixed)
Comparison Rate (p.a.)10.88%
Interest Rate TypeFixed
Min Loan Amount$5,000
Max. Loan Amount$55,000
Loan SecurityUnsecured
Go to site

Main points to consider with the NAB Unsecured Personal Loan

You can use this unsecured loan for any worthwhile purpose or expense. You can apply for between $5,000 and $55,000 with a loan term of up to 7 years.

This loan comes with a fixed interest rate, which is currently 9.99% p.a. but there is also a variable rate option available.

Features and benefits of the NAB Unsecured Personal Loan

  • Various loan amounts available. You can borrow between $5,000 and $55,000 for most worthwhile purposes.
  • Fixed interest rate. This loan comes with a fixed interest rate, which is currently $55,000.
  • You can select the term of the loan. You can opt to pay your loan back in as little as 1 year or in as many as 7 years.
  • Flexible repayments. You can make payments on a weekly, fortnightly or monthly basis to sync repayments with your own pay cycle.

Fees and charges applicable

  • Application fee. $150
  • Loan service fee. $10 per month. This is charged to maintain your account.
  • Default fee. $0

How you can apply

If you're ready to apply for this loan, you can click "Go to Site" to submit your application. You will need to meet the following eligibility criteria to apply for the loan:

  • You must be over 18 years of age
  • You must live in Australia
  • You must be a permanent Australian resident, an Australian or New Zealand citizen, or hold an acceptable temporary residency visa
  • You must earn a regular income

In order to apply for a NAB unsecured personal loan, you will also need to provide the following information.

  • Proof of identification or a valid driver's licence number
  • Income details as well as details of all the assets through which income can be generated
  • Information regarding your financial savings as your assets
  • Information regarding all your current store cards and credit cards along with any other liabilities

Once you submit your application, NAB will send you an email to let you know they've received it and you'll be contacted within two business days to let you know the outcome. The NAB Unsecured Personal Loan is a flexible option for those looking to borrow up to $55,000.

Remember to always look at a number of loan products before deciding on the one that is right for you.

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 25.69% 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 NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 9.99% p.a. and 18.99% p.a. ( 10.88% 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.

Logo for Pepper Money Unsecured Fixed Rate Personal Loan
Pepper Money Unsecured Fixed Rate Personal Loan

You'll receive a fixed rate between 6.95% p.a. and 17.95% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Make additional repayments or pay off the loan early, penalty-free.

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  1. Default Gravatar
    October 15, 2016

    I have been an anz customer for 12 years. Had my first loan of $10000 3years ago which I paid off in 6 months. I got my first credit card 18 months ago for a limit of $6000 which for the last year has been maxed out but consistently making payments. The last 3 months have been making weekly payments and 6months before just monthly as I was always exceeding my limit. I asked for an increase limit, loan then overdraft and was declined. I applied with other banks at the time and was offered a $11,000 credit card from NAB and $12,000 credit card from Westpac. I decided not to accept either cos I couldn’t be bothered switching bank details. 9months later I opened up a bank account with NAB and applied for the credit card but only a $3000 limit. I have made several inquiries lately which I did not realise affected my credit rating. I have been approved for small loans with high interest rates and shorter payments. I am paying a total of $550 per week off these loans so asked anz for a debt consolidation loan 15k debt including credit cards and 10k personal. I have been declined because I don’t meet their lending criteria…. They let a computer decide their answer, treat me like another number and not a valuable customer. I am switching to NAB now but also been looking at the peer to peer lending as I am hoping I have a better chance. If I have had my NAB account for 6weeks and have my wages start this week, Do you think they will give me a loan?

    • Avatarfinder Customer Care
      October 19, 2016

      Hi JJ,

      Thanks for your question.

      Unfortunately there’s no one surefire way to tell if you will be approved for a loan. As long as you meet the minimum eligibility criteria set by the lender you are eligible, but following this the lender will look at your credit history and financial situation (income, debts, etc.) to see if you will be able to service the loan. From what it sounds like you have several enquiries listed on your credit file which would have affected your credit score and will be a red flag to lenders.

      Peer-to-peer lenders give you a rate based on your credit score, so if your score is low you will get a higher interest rate.

      You might want to get a free credit score to see where you stand and then make your decision from there.

      Hope this helps,


  2. Default Gravatar
    September 20, 2016

    How do I go about applying for a loan if me to NAB

    • Avatarfinder Customer Care
      September 20, 2016

      Hi goomstar,

      You can head directly to NAB’s website to apply for the personal loan.



  3. Default Gravatar
    September 12, 2016

    I have an unsecured per loan and credit card ,I wanted tto consolidate plus add a bit , please advise

    • Avatarfinder Customer Care
      September 13, 2016

      Hi Linda,

      This is an unsecured personal loan so you can use it for whatever purpose you need, including debt consolidation. If you meet the minimum eligibility criteria and show that you can afford the loan you can apply on NAB’s website.



  4. Default Gravatar
    July 11, 2016


    Can I reopen a personal loan once it’s been closed within 24 hours.

    • Avatarfinder Customer Care
      July 12, 2016

      Hi Adrian,

      You’ll need to get in contact with your lender directly to enquiry about reopening your loan.

      Hope this helps,


  5. Default Gravatar
    July 7, 2016

    do you lend to the United States citizens living in the US

    • Avatarfinder Customer Care
      July 7, 2016

      Hi Jeffry,

      As a financial comparison service we don’t offer the loans ourselves, but you can compare a range of personal loans for US residents on this page.

      I hope this helps,


  6. Default Gravatar
    August 12, 2015

    Hi There,

    I am considering getting a personal loan of around $30,000 as I am wanting to buy a new car and go on a holiday. My annual salary is roughly $27,000 and I have a nab credit card with $4,000 drawn is there any possibility of me attaining this loan or am I being unrealistic?

    • Avatarfinder Customer Care
      August 12, 2015

      Hi Jeremy,

      Thanks for your question.

      NAB will look at your income and current liabilities (including your credit card) to determine whether you are eligible for the loan and if you can handle the repayments. This calculator might be useful for you, it helps you work out what kind of loan you would be able to afford. In terms of applying, NAB considers applications on a case by case basis so it is difficult to say whether you will be approved. You may want to get in touch with NAB and discuss your options.

      I hope this has helped.



  7. Default Gravatar
    July 23, 2015


    For an unsecured, fixed personal loan of $35,000, what is the interest rate please? Is it 13.68%?

    • Avatarfinder Customer Care
      July 24, 2015

      Hi Cathy,

      Thanks for your enquiry.

      With the NAB Unsecured Personal loan, the current fixed interest rate for new customers is 13.68% p.a. but please note that interest rates are subject to change and may vary.

      For more information regarding interest rates for this loan, please contact NAB directly.


  8. Default Gravatar
    February 17, 2015

    We would like to debt consolidate with a personal loan of $36000 over 7 years with weekly repayments with NAB at an interest rate that is fixed for the term and is unsecured and also would like to take out protection cover with it as well???

    • Avatarfinder Customer Care
      February 18, 2015

      Hi James,

      Thanks for your question.

      You have the option of taking out MLC Personal LoanCover that covers for your outstanding loan balance if you die, up to a maximum of $80,000 cover for your loan repayments, up to a maximum monthly amount of $5,000, if you are disabled; and cover for your loan repayments (subject to a maximum monthly amount) for up to a maximum period of 4 months, if you are involuntarily unemployed.

      If you would like to discuss your eligibility or options, please get in touch with NAB directly by clicking on ‘go to site’.


  9. Default Gravatar
    August 2, 2014

    Hi my wife and I are considering a consolidation loan to the amount of around about $50,000 what would be the interest rate and weekly payments if we were approved.

    Kind regards


    • Avatarfinder Customer Care
      August 4, 2014

      Hi Rob, is an online comparison service, we don’t actually write the loans so we can’t tell you what interest rate you could be approved for.

      Based on a 12.99% p.a. interest rate and a loan term of 5 years, you’d be looking at around $264 per week. This is an indication only.


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