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Bendigo Bank Personal Loans

Rates and fees last updated on

Bendigo Bank offers personal loans to suit a wide variety of borrowing needs.

Founded in 1858, Bendigo Bank offers a wide range of banking products and services to its customers. Its suite of products includes home loans, funds management, Internet banking and credit cards. Bendigo Bank also has a range of personal loans that might be able to help you meet both your current and future financial needs. If you are looking to buy a car, go on a holiday, refinance debt or meet other financial obligations, a Bendigo Bank personal loan could be just what you’re looking for.

Compare personal loans offered by Bendigo Bank

Rates last updated July 28th, 2017
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment Product Description
Bendigo Bank Unsecured Personal Loan
From 12.79% (fixed)
1 to 7 years
Perfect for your dream holiday or any number of needs where you don't offer security.
Bendigo Bank Secured Car Loan
From 7.79% (fixed)
1 to 7 years
Perfect for buying a new or used vehicle, or to refinance an existing car loan.

Compare up to 4 providers

Rates last updated July 28th, 2017
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment Product Description
Citi Personal Loan Plus
From 11.99% (variable)
3 to 5 years
$0 ($199 fee waived)
Borrow up to $75,000. All approved applicants will receive the advertised variable rate of 11.99% p.a.
RateSetter Personal Loan
From 8.66% (fixed)
0.5 to 5 years
$0 (Upfront fee $250 for loan terms of 2 years and above)
Ratesetter allow you to get a personalised rate based on your credit score.
NOW FINANCE Personal Loans
From 8.95% (fixed)
1.5 to 7 years
$395 (Based on $10,000)
Get rewarded with a low interest rate for your good credit history.
SocietyOne Unsecured Personal Loan
From 7.9% (fixed)
2 to 5 years
3% (of loan amount)
Interest rates for a 3 year loan range from 7.9% p.a. to 10.90% p.a. Comparison rate from 9.92% p.a. to 13.63% p.a. for good credit scores A and AA
Latitude Personal Loans (Unsecured)
From 13.99% (fixed)
2 to 7 years
$250 (Loans under $4000 - $140)
An unsecured loan designed for multiple purposes – renovating, buying a car or travelling. Funds can be in your count in as little as 24 hours.
bcu Unsecured Multipurpose Loan
From 8.94% (variable)
1 to 5 years
A flexible unsecured or secured personal loan with a competitive rate.
QT Mutual Bank Personal Loan
From 12.95% (variable)
5 years
$395 (establishment fee)
You can use this personal loan to buy just about anything: a new boat, home renovations, a holiday or even to consolidate existing debt. Only available to Queenslanders
Harmoney Unsecured Personal Loan
From 8.99% (fixed)
3 to 5 years
$500 (Upfront fee)
Borrow up to $35,000 with the unsecured peer to peer loan from Harmoney
St.George Get Set Loan Personal Loan
From 17% (variable)
A revolving line of credit that lets you access your funds as and when you need to.

Compare up to 4 providers

  • Secured Personal Loan. Suited for purchasing a new or second-hand car, you can also use a car you currently own as security for this loan. As it's secured, it comes with a competitive fixed rate. This loan is available with a competitive fixed rate for terms up to 7 year(s)
  • Unsecured Personal Loan. With no requirement for security, this loan is suited for financing your holiday or home refurbishment needs. It comes with a slightly higher fixed interest rate because it is unsecured.
  • Generation Green Personal Loan. This is an innovative type of personal loan from Bendigo Bank that rewards you each time you make an environmentally-friendly purchase. You will get a discount of 1% p.a. on your personal loan fixed rate if you use your loan to purchase any of the 12 environmentally-friendly products specified by the company. You can opt for either a secured or unsecured variant of the loan. Some of the products you can buy include double glazings, environmentally-friendly vehicles, greywater treatment systems and water storage tanks.

Features and benefits of a Bendigo Bank personal loan

  • Includes of redraw facilities. Bendigo Bank personal loans come with redraw facilities. You are able to make extra repayments on top of the normal minimum repayments, then the redraw facility lets you access that additional amount if you will need it in future. The Bendigo Bank redraw facility give you the flexibility to access funds whenever you need them.
  • Flexible loan repayment schedule. Bendigo Bank personal loans come with the flexibility to make repayments according to your preferences – weekly, fortnightly or monthly. This means that you can make unlimited additional repayments and pay off your loan within the shortest time possible.
  • Low minimum amount. Bendigo Bank personal loans are designed so that you can borrow as little as $2,000.
  • Extended period of repayment. You will be given between 1 and 7 years to complete your loan repayment.

What other products does Bendigo Bank offer?

  • Transaction accounts. Bendigo Bank has a wide range of flexible transaction accounts tailored to suit everyday banking requirements. These accounts are designed to offer convenient access to your money.
  • Credit cards. Bendigo Bank has a wide assortment of credit cards ranging from the Low Rate Basic Credit Card to the all-inclusive Platinum Card.
  • Savings accounts. If you are looking for a saving account to store and grow your money, Bendigo Bank offers accounts with easy access and competitive rates.
  • Home loans. Bendigo Bank offers a suite of home loans designed to suit your needs for a new home or investment property.
  • Other products. Some other products offered by Bendigo Bank include insurance, travel and international payments, and term deposits.

How to apply for a personal loan from Bendigo Bank

Ready to apply for a Bendigo Bank personal loan? You can get the process started by clicking "Go to Site".

To be eligible for a Bendigo Bank personal loan you:

  • Have to be at least 18 years of age
  • Must be an Australian citizen or a permanent resident of Australia
  • Have to be in paid employment
  • Must have a good credit history
  • Shouldn't be using the personal loan for business or other commercial reasons
  • Should not apply for the loan through a third party

You will need to provide information on your income and employment details, details of assets and commitments, and your driver’s licence. Once you’ve successfully completed your application, it will be reviewed and you will receive communication on its status.

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This page was last modified on 24 May 2017 at 3:15pm.

RateSetter Personal Loan

Ratesetter allow you to get a personalised rate based on your credit score.

Citi Personal Loan Plus

Borrow up to $75,000. All approved applicants will receive the advertised variable rate of 11.99% p.a.

NOW FINANCE Personal Loans

Get rewarded with a low interest rate for your good credit history.

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16 Responses

  1. Default Gravatar
    PhillipgoodwinJune 22, 2017

    How find out credt rating

    • Staff
      DanielleJune 22, 2017Staff

      Hi Philip,

      Thank you for contacting We are a comparison website and general information service, we’re more than happy to offer general advice.

      You can get your credit rating for free through this page. Just provide your full name, address and a form of identification to receive your credit score. You’ll also receive an explanation of your credit score and be able to see where you stand in relation to the rest of the credit-active population.

      I hope this helps.


  2. Default Gravatar
    StephMay 8, 2017

    If I apply for a student personal loan do I have to be a student for the full span of the loan?

    • Staff
      LiezlMay 9, 2017Staff

      Hi Steph,

      Thank you for your question.

      No, you don’t have to be a student for the entire term of the loan. There are actually loans which you can apply for during your final year in the university. You can check the loan options available for students on this page.

      It is important to consider your financial circumstances and your ability to afford the loan before applying.

      I hope this has helped.


  3. Default Gravatar
    lynetteSeptember 18, 2016

    I would like to know please if i can fill in an application for a $2000 unsecured loan with bendigo bank via online.
    thank you


    • Staff
      ElizabethSeptember 19, 2016Staff

      Hi Lynette,

      You can apply for any of the personal loans outlined on this page by heading to Bendigo Bank’s website and submitting your application. Make sure you meet the eligibility criteria outlined above and have your personal and financial details on hand.

      I hope this has helped,


  4. Default Gravatar
    DarrinAugust 22, 2016

    Hi , look at loan around 70,000 to pay off credit cards and an other personal loan to have one loan and close the cards down.

    • Staff
      ElizabethAugust 23, 2016Staff

      Hi Darrin,

      As long as you meet the criteria outlined on the page above you can apply for a loan with Bendigo Bank. Keep in mind your current debt will be taken into account when determining your ability to afford the loan, as will other aspects (income, employment, assets) etc.

      I hope this helps,


  5. Default Gravatar
    LillyMay 4, 2016

    I need to borrow 40,000 to consolidate my credit cards and personal loans.
    I work permanently 24hrs per week and receive a partial disability pension.
    Can you please give me some advice.

    • Staff
      ElizabethMay 4, 2016Staff

      Hi Lilly,

      Unfortunately I’m unable to offer you any personal advice, but you’re able to apply for this personal loan as long as you meet the minimum eligibility criteria:

      You are over 18 years of age
      You are an Australian citizen or permanent resident
      You are in paid employment (subject to Bendigo Bank’s Lending Criteria)
      There is no more than 2 applicants for this application
      You are listed on the loan as a borrower (Bendigo Bank is unable to accept applications completed by a third party or guarantor via this medium)
      You have a credit history free of payment default, court judgements or bankruptcy

      Keep in mind that your financial situation will be considered by Bendigo Bank when you’re being approved for the loan and it’s important to consider if you can afford the repayments before you apply. If you’re looking for more information you might want to contact Bendigo Bank directly.

      Hope this has helped,


  6. Default Gravatar
    March 31, 2016

    I need to borrow $10000 I’m on centrelink and have a part time job Cash in hand so I have statements that only have Newstart each fortnight please point me in the right direction

    • Staff
      ElizabethMarch 31, 2016Staff

      Hi Bails,

      I’m unable to recommend a specific lender to you but you can find out about your options on this page.

      Hope this will help,


  7. Default Gravatar
    WombatFebruary 4, 2016

    There is no option to “Go to Site” or “more” on the Bendigo Bank Unsecured Personal Loan Application information. It is blank!!
    How am I supposed to fill in an application for a loan if I can’t even get to the appropriate area????

    • Staff
      ElizabethFebruary 4, 2016Staff

      Hi Wombat,

      Thanks for your question.

      If you wish to apply for the Unsecured Personal Loan with Bendigo Bank you can go to their website directly.



  8. Default Gravatar
    nathanMarch 23, 2015

    hi im on centerlink payments and currently studying at TAFE i have a family and times are getting rough i have a phone bill of $5,000+ electricity bill and car payments so was wondering how easy is it go for a loan even tho i owe money.

    thanks for your time

    • Staff
      ShirleyMarch 23, 2015Staff

      Hi Nathan,

      Thanks for your question.

      Please note that is an online comparison service and is not in a position to assess your eligibility.

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


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