First Option Bank personal loans
Choose between a secured or unsecured personal loan and pay minimal fees. You need to be a member to borrow.
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Key takeaways
- You must be a member of First Option Bank to apply for any personal loan.
- Interest rates vary significantly, from 7.99% for a VIP loan to 13.99% for a standard loan.
- Both personal loan options carry a $175 application fee and no monthly fee.
What different scores mean
9+
Excellent
The crème de la crème of personal loans. These products offer the lowest cost loans accompanied by the best features.
7+
Great
Slightly higher in cost and fewer features, but these products are still competitive.
5+
Standard
Typically offering above average rates and possibly lacking in the features department.
0+
Basic
The least competitive in terms of both cost and features.
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How to apply for a First Option Bank personal loan
Applying online is a straightforward process. You'll need to meet general eligibility requirements including:
- Being at least 18 years of age
- Being an Australian citizen or a permanent resident of Australia
- Being in paid employment
Compare other products from First Option Bank
- First Option Bank credit cards
- First Option Bank home loans
- First Option Bank savings accounts
- First Option Bank car loans
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i am on an income of $5600 per month from veterans affairs, am82 and would like to borrow $15000 for dental treatment, anyone help at all?
Hi Keith,
You can view a range of personal loan options for low income owners here. You can also get more information about applying for a loan when you’re income is from a government source in this guide.
As an alternative, you may be eligible for a Good Shepherd 0% interest loan, of up to $3000 – these are usually available to help with urgent medical bills and housing costs, like rent.
Hope this helps!