NAB Personal Loans

Buy a car, go on holiday or renovate your home with an unsecured personal loan.

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NAB

Key takeaways

  • NAB offers unsecured personal loans, both fixed and variable, ranging from $5,000 to $60,000.
  • Interest rates often range from 7.50% p.a. to 8.54% p.a. with a $0 application fee and $15 monthly fee.
  • NAB scores above average for customer trust and service in recent satisfaction awards.

Compare NAB personal loans

2 of 2 results
Checked 6 November 2026
$
years
Finder Score Interest rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
Finder score
8.1 Great
Interest Rate (p.a.)
7.50%
to 22.00%
Comp. Rate (p.a.)
8.54%
to 22.88%
Application Fee
$0
Monthly Fee
$15
Monthly Repayment
$948.19
$250 application fee is waived for valid applications started from 8 October 2026 until 3 December 2026. Applications must be completed within 30 days. T&Cs apply.
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Compare product selection
NAB logo
Finder score
8.1 Great
NAB Unsecured Fixed Rate Personal Loan
Fixed1 - 7 Years $5,000 - $55,000
Finder score
8.1 Great
Interest Rate (p.a.)
7.50%
to 22.00%
Comp. Rate (p.a.)
8.54%
to 22.88%
Application Fee
$0
Monthly Fee
$15
Monthly Repayment
$948.19
$250 application fee is waived for valid applications started from 8 October 2026 until 3 December 2026. Applications must be completed within 30 days. T&Cs apply.
Go to siteView details
Compare product selection
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How to apply for a NAB 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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22 Responses

    shireen's avatar
    shireenSeptember 29, 2016

    if i dnt have an NAB acc,but 1 wit ANZ can i still apply for overdraft/credit card wit NAB? How long will it take 2 process/approved or not?

      Elizabeth Barry's headshotFinder
      ElizabethSeptember 29, 2016Finder

      Hi Shireen,

      You’ll need to open a transaction account with NAB if you want an overdraft, but you can also send a NAB credit card application without holding any other product.

      NAB can get a new credit card to you in 5-7 days after you’ve been approved.

      Thanks,

      Elizabeth

    RL's avatar
    RLAugust 13, 2016

    Hi, I apply for personal loan a week ago and still don’t have any answer wether if i’m approved or not. How long does it take to know the result of the application?

      Anndy Lou's avatar
      AnndyAugust 13, 2016

      Hi RL,

      Thanks for your comment.

      Please note that finder.com.au is a financial comparison and information service. We do not represent NAB.

      After you submitted a personal loan application with NAB, you should be able to receive an email or a secure message through internet banking straight away to confirm that they have received your application. Within 1-2 business days, they will send an email informing you of the status of your application.

      If you have not received any email from NAB to confirm the status of your application, I suggest that you directly get in touch with them to inquire.

      Cheers,
      Anndy

    rr's avatar
    rrMay 9, 2016

    can 485 graduate visa get a loan 7000$?
    i got 13 month left to visa expired

    thanks

      Elizabeth Barry's headshotFinder
      ElizabethMay 10, 2016Finder

      Hi RR,

      NAB considers temporary residents for certain loans but you need to be holding a 457 Visa or be a New Zealand citizen. You can take a look at our website and find more personal loans for temporary residents.

      Hope this has helped,

      Elizabeth

    priscillajh's avatar
    priscillajhApril 14, 2016

    Can I get a loan I’m on carer pension

      Elizabeth Barry's headshotFinder
      ElizabethApril 15, 2016Finder

      Hi priscillajh,

      Some Centrelink income is considered by NAB as a regular income, the main thing is that you are able to demonstrate that you are able to afford the loan repayments. You can find out the loan options available to pensioners and the eligibility criteria that apply.

      Hope this will help,

      Elizabeth

    Sharon's avatar
    SharonMarch 14, 2016

    I am on a ds pension and have a part time job. I am a single mother. I would like to get a home loan. Is there a bank out there who will lend me the money and how much do I need as a deposit pls?

      Belinda Punshon's avatar
      BelindaMarch 15, 2016

      Hi Sharon,

      Thanks for getting in touch.

      We have a page about home loans for Centrelink recipientsand where you can also enquire with a mortgage broker that can help review your financial position and find a suitable product for you.

      The disability pension is accepted by most lenders as a form of income given that you have a secondary income source (which it appears that you do through part-time employment).

      Keep in mind that it can be difficult to qualify for a loan if you’re on the pension as the lender views you as a high-risk borrower. However, if you can demonstrate to the lender that you have a good credit history, sufficient savings, and enough income/benefit to service the loan then you may be able to qualify.

      Typically you should try to come up with at least a 20% deposit to avoid paying lender’s mortgage insurance (LMI) for a full documentation loan.

      Thanks,
      Belinda

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