The Rock Personal Loan

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Make use of flexible payment and loan options to finance what you need.

  • Please note that The Rock Building Society has merged with MyState Limited.

The Rock personal loan can be used for many different purposes, with a range of loan types and options to choose from. Whether you need to finance a holiday, purchase a car, consolidate your debt, or have any other worthwhile personal expense, you can borrow up to $75,000 and pay it off in up to 10 years.

3 things you should know about The Rock personal loan

  • Secured and unsecured loans. You can choose to use a vehicle as collateral, or opt for an unsecured loan.
  • Varied interest rates. The rate starts from 6.99% p.a. but will vary depending on the type of loan you require.
  • Fees and charges. You will only receive information on fees and charges once you have submitted your application. These will affect your comparison rate, which is the actual rate you will pay over the course of the loan.

6.99% (variable)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount

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Product NameThe Rock Personal Loan
Interest Rate (p.a.)6.99% (variable)
Comparison Rate (p.a.)7.62%
Interest Rate TypeVariable
Min Loan Amount$3,000
Max. Loan Amount$75,000
  • Please note that The Rock Building Society has merged with MyState Limited.

Main points to consider with The Rock personal loan:

You can borrow from $3,000 to $75,000 on The Rock personal loan, with a maximum loan term of 10 years.

You can use a car, motorcycle, boat, campervan or caravan as collateral against the secured personal loan. Your rate will depend upon the age of the vehicle you are using as security. For vehicles under two years old, the fixed rate is 6.99% p.a., whilst for those aged two to seven years, the rate will be 8.49% p.a. Unsecured personal loans start at 8.99% p.a. for those with an existing mortgage from The Rock and 12.99% p.a. for other general purpose loans.

The comparison rate will also vary depending on the type of loan you require. For a secured loan, this will start at 7.62% p.a., or 15.40% p.a. for an unsecured loan.

Features of The Rock personal loan:

  • Flexible repayments. You have the option of making payments on a weekly, fortnightly or monthly basis.
  • Loan Protection Insurance available. The Rock offers additional insurance on personal loans to cover repayments in the event you are unable to pay. This may help protect you against financial emergencies.
  • No early repayment fee. You can repay the loan at any time without attracting additional fees or charges.
  • Long loan term. You can choose to repay the loan over a 10 years period.
  • Fixed interest rate. Your rate can remain the same across the life of your loan, which may help you budget for your repayments.
  • Covers multiple vehicles.

    The secured loan can be used for cars, motorcycles, boats, campervans and caravans.

How to apply for The Rock personal loan

If you wish to apply for this loan, you can click "Go To Site" above and follow the instructions to start your application. Please check the eligibility criteria before you apply. To be eligible for The Rock personal loan, you must be:

  • At least 18 years old
  • An Australian citizen or permanent resident

You will also need to provide further personal and financial information and documentation as part of the application process. You can apply by phone or by visiting a branch, as well as arrange an appointment.

The Rock personal loan offers genuine flexibility for those looking to borrow up to $75,000. You should always compare personal loans and your own financial needs before making a decision.

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 ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 10.5% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants. Note: These rates are available until 2 February 2021. Credit, eligibility criteria and terms & conditions apply.

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.

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