Heritage Bank Personal Loans

Get a personal loan or a car loan up to $50,000. Interest charges and fees apply.

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Elizabeth Barry

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Heritage Bank

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Key takeaways

  • Heritage Bank offers a fixed personal loan for amounts between $5,000 and $50,000.
  • The fixed personal loan features an 8.99% interest rate and a $250 application fee.
  • Applicants must be 18+ an Australian citizen or PR and in paid employment.

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Checked 15 July 2026
Finder Score Interest rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
Heritage Bank logo
Finder score
7.8 Great
Heritage Bank Fixed Personal Loan
Fixed1 - 7 Years $5,000 - $50,000
Finder score
7.8 Great
Interest Rate (p.a.)
8.99%
Comp. Rate (p.a.)
9.35%
Application Fee
$250
Monthly Fee
$0
Monthly Repayment
$643.85
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How to apply for a Heritage 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
You'll need to provide current address details and evidence of employment. Having a good credit history improves your chance of approval. Lenders often have additional requirements, which you'll be told during the application process.

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Sources

Elizabeth Barry's headshot
Journalist

Elizabeth Barry is an experienced journalist with over 10 years of expertise in personal finance, contributing to outlets like the ABC, Sydney Morning Herald, and 7News. She holds a Master of Arts in Creative Writing and a Bachelor of Arts in Communication from the University of Technology Sydney, and has earned multiple award nominations, including a Highly Commended recognition at the 2017 Lizzies. Elizabeth began her career at Finder in 2013, progressing through roles to become Lead Editor, where she oversaw a wide range of personal finance coverage until 2024. See full bio

Elizabeth's expertise
Elizabeth has written 186 Finder guides across topics including:
  • Banking
  • Personal finance
  • Investing
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6 Responses

    David Thompson's avatar
    DavidOctober 11, 2024

    Can I get a loan for pet treatment.

      Angus Kidman's headshotFinder
      AngusOctober 14, 2024Finder

      Hi David, Personal loans can be used for vet expenses – you might want to check out our detailed guide to vet loans for more on issues to consider.

    Jocelyn's avatar
    JocelynOctober 3, 2023

    Can I loan 10k I’m part time worker

      Sarah Megginson's headshotFinder
      SarahOctober 13, 2023Finder

      Hi Jocelyn, We can’t provide personal advice, but your chances of being approved depend on things like your income relative to your expenses, and your job security. Your best bet is to contact Heritage directly.

    James lapham's avatar
    JamesNovember 11, 2021

    Hi want a short term loan for building a house

      Richard Whitten's headshotFinder
      RichardNovember 15, 2021Finder

      Hi James,

      While a personal loan can provide funds for many different purposes, you might also want to look at a construction home loan.

      This type of finance is specifically designed for people who are building a house. You’ll want to confirm the construction terms your lender will offer, including how long you can build for using the loan and the process for drawing down and accessing funds.

      For options, you can check and compare on our construction loan page. Simply click the Go to site icon once you’ve chosen a particular lender.

      Regards,
      Richard

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