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Personal loans for life’s big moments

Do that renovation. Take that holiday. Buy that car. Take control of your finances. Apply online and get a response in 60 seconds.

Start here

Find out your estimated interest rate in 2 minutes

Already have a rate? Retrieve your rate
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Get my rate estimate

Why choose a Latitude loan?

Simple application

  • Apply online in under 7 minutes
  • Only a few documents needed for ID and income verification

Flexible financing

  • No early repayment fee on variable loans
  • Access additional repayments you’ve made when you need them with Redraw on variable loans

Solutions to suit you

  • Our team will help you through the process
  • Loan options tailored to your specific needs

Get an estimate of your repayments

I'd like to borrow
$200,000
Loan term
4 years
At an interest rate of
8.99% p.a.
8.99%
(10.67% Comparison rate p.a*)
29.39%
Fixed or Variable?
Repayments every
Estimated repayment including typical fees
$5,012/month
Total interest paid
$39,359
Total amount paid
$240,546
ⓘ View Fee Breakdown
Get your personalised rate

This calculator is provided for illustrative purposes only and does not constitute a quote or pre-qualification. The interest rate you may be offered can differ from the interest rate displayed above and will be based on your personal circumstances. The total amount paid includes establishment and monthly fees. See all Fees & Charges for this product.

Want a 3 month payment pause?

No payments for the first 3 months

Eligible customers* can opt in to skip the first 3 month repayments with a payment pause.

Interest & fees apply

Interest and fees will still be accrued during the deferred payment period.

First payment in month 4

Your first repayment is due in month 4. You can still choose to pay earlier.

Loan term extends by 3 months

Your loan term will increase by 3 months to accommodate the payment pause.

Get my rate estimate

*Available to new Personal Loan customers only. If eligible this will be confirmed when you receive your quote. Note if you defer your repayments, your loan will take longer to pay back. This is because we charge interest during your payment pause.

Compare our fixed and variable loan options to find the right fit

Frequently asked questions

How is my interest rate determined?

What is a comparison rate?

What is redraw?

Secured vs Unsecured loan?

Fixed Loan

Best for stability

Variable Loan

Best for flexibility
Interest rate from
8.99
%
p.a.^
to
29.39
%
p.a.^
Comparison rate from
10.67
%
p.a.*
to
30.97
%
p.a.*
 Interest rate from
9.49
%
p.a.^
to
29.39
%
p.a.^
Comparison rate from
11.16
%
p.a.*
to
30.97
%
p.a.*
  • Rates remain fixed for the entire loan term
  • $500 early termination fee (up until the final 3 months of loan term)
  • Flexible repayment options with weekly, fortnightly, or monthly repayments
  • Rates are subject to change throughout the loan term
  • No early termination fee
  • Flexible repayment options with weekly, fortnightly, or monthly repayments
  • Redraw extra repayments at no cost

Why choose a fixed rate?

A fixed rate makes budgeting easier. It’s ideal if you want certainty and peace of mind. Your interest rate stays the same, no surprises, no changes.

Why choose a variable rate?

A variable rate offers flexibility. Ideal if you want to pay off your loan early with fewer restrictions.

Establishment fee $395

Loan service fee $16.50 per month

Direct debit fee $0

BPAY® payment handling fee $1.95

Late payment fee $45 if minimum repayment is not made by the agreed date

Early termination fee $500 (up until the final 3 months of loan term)

Loan amount From $5,000

Repayment frequency Weekly, fortnightly, or monthly

Loan terms

  • 2 to 7 years
  • Secured or unsecured

Establishment fee $395

Loan service fee $16.50 per month

Direct debit fee $0

BPAY® payment handling fee $1.95

Late payment fee $45 if minimum repayment is not made by the agreed date

Early termination fee $0

Loan amount From $5,000

Repayment frequency Weekly, fortnightly, or monthly

Loan terms

  • 2 to 7 years
  • Secured or unsecured

Frequently asked questions

How is my interest rate determined?

What is a comparison rate?

What is redraw?

Secured vs Unsecured loan?

Need extra funds? A Personal Loan Top-up can help

Apply through the Personal Loans Portal to see if you’re eligible. Available to all existing eligible Latitude Personal Loan customers.

Log in
Learn more

Applying for a Latitude Personal Loan is simple

1. Check your rate

Get your personalised rate online in 2 minutes without impacting your credit score.

2. Apply online

Submit your ID details and proof of income. Get a response within 2 business days.

3. Accept

Accept your loan contract digitally through our customer portal.

4. Get your funds

Funds released within 24 hours of receiving your signed contract and banking details.

Check your eligibility

When life can't wait Latitude is here to help

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Get behind the wheel faster

Drive away in your new car with ease. We're here to help make it happen.

Learn more
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Simplify your finances

Take control and get back on track with the help of our debt consolidation loans.

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Renovate your castle

Build that dream kitchen, or entertain on your new deck. Turn your house into a home.

Learn more
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Get the medical care you need

Focus on your wellbeing with financial support tailored to your health needs.

Learn more
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Explore the open road

Focus on your wellbeing with financial support tailored to your health needs.

Learn more
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Take that dream holiday

Focus on your wellbeing with financial support tailored to your health needs.

Learn more
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Start your boating adventure

Set sail on your next adventure with a loan designed for your boat purchase.

Learn more

Ready to take the next step with a Latitude loan?

Find out your personalised rate in just minutes — no impact on your credit score.

Get my rate estimate

Why Latitude?

We've been helping Aussies manage their finances for close to a century. Trusted by 2.1 millions customers today, we're ready to back your journey, wherever it leads.

Calculator and tools

Personal loan repayment calculator

Car loan repayment calculator

Budget planner

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Frequently asked questions

About my Latitude Personal Loan

Application and approval

Fees, charges and interest

Frequently asked questions

About my Latitude Personal Loan
What can I use my loan for?

You can use your Latitude solar and battery loan if you're borrowing for one of the below categories:

  • Solar panels & inverters
  • Batteries & storage
  • Electric vehicle charging solutions
  • Energy efficient appliances
  • Double & triple glazing
  • Solar heating & hot water services
  • Lighting upgrade
  • All things green & focussed on carbon reduction

If you have something in mind, give us a call 13 28 26 to discuss a solution that suits you.

How much can I borrow with a personal loan?

The minimum amount you can borrow with a personal loan is $5,000, with the maximum depending on your circumstances and current financial situation.

How do I make repayments on my loan?

You can opt to make weekly, fortnightly or monthly repayments by Direct Debit or BPAY®.

Payment via BPAY® will incur a payment handling fee of $1.95.

BPAY® and the BPAY® logo are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.

Why do you need to know what I'm using the funds from my personal loan for?

As a responsible lender, our obligations require us to make reasonable inquiries about your financial situation, requirements and objectives.

What's the difference between an unsecured and secured personal loan?

The main difference between unsecured and secured personal loans lies in the presence or absence of collateral.

In a secured personal loan, the borrower pledges an asset (such as a car, property, or savings account) as security. An unsecured personal loan does not require any collateral, meaning the lender does not have a specific asset to seize if the loan is not repaid.

Useful forms

Direct debit set up form [PDF]

Third party authority [PDF]

What is redraw?

Redraw is a feature of Latitude Variable Rate Personal Loans that gives access to additional repayments you've made on your loan. There's no cost to redraw and no need to reapply for a new loan. Call 1300 973 422 to see if you are eligible.

Do all Latitude personal loans allow redraw?

Only Latitude Variable Rate Personal Loans have redraw available.

Application and approval
When will I get a decision on my loan application?

Many customers receive an instant decision online.

Some applications may require additional checks.

How long till I receive my funds?

Once approved, funds are usually paid within 1–2 business days.

What is the eligibility criteria?

Eligibility depends on:

  • Age and residency
  • Income and employment
  • Credit history
Do I need to provide security?

Unsecured loans do not require security.

Secured loans require an asset.

Why do you carry out a credit check?

Credit checks help assess your ability to repay the loan.

This is part of responsible lending requirements.

Can I refinance a loan with Latitude?

You may be able to refinance an existing loan with Latitude.

Approval is subject to assessment.

Fees, charges and interest
Will my interest rate be fixed or variable?

Your interest rate may be:

  • Fixed – stays the same
  • Variable – may change
How is interest calculated?

Interest is calculated daily on your outstanding balance.

Will I be charged for extra payments?

Most loans allow extra repayments without penalty.

How can I avoid late fees?

Ensure sufficient funds and set up direct debit to avoid late fees.

What does the comparison rate mean?

The comparison rate includes interest and most fees.

This helps you compare loan costs.

Difference between fixed and variable rates?

Fixed rates stay the same.

Variable rates may change with market conditions.

Important information

^ Approved customers only. Terms, conditions, fees and charges apply for Latitude Personal Loan. All applications are subject to lending and approval criteria.

Loan terms range from 2-7 years for Latitude Personal Loan.

Latitude Variable Personal Loan rates range from 9.49% p.a. to 29.39% p.a. (comparison rates 11.16% p.a. to 30.97% p.a.).

Latitude Fixed Personal Loan rates range from 8.99% p.a. to 29.39% p.a. (comparison rates 10.67% p.a. to 30.97% p.a.).

* The Comparison rate for the above products are based on $30,000 over 5 years.

WARNING: These comparison rates apply only to the example or examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

EXAMPLE: A personal loan of $30,000 borrowed for 5 years with an interest rate of 15.99% p.a. (17.61% p.a. comparison rate), would equate to a total amount payable of $45,330 (including a $395 establishment fee and $16.50 monthly loan servicing fees).

Results from the calculators should be used as an indication only, and they do not represent either a quote or pre-qualification or approval for a loan. The calculator should only be used as a guide to see how loan repayments can vary when you change the loan amount, interest rate and loan term. Fees and charges are payable and the calculators do not take these into account.

1 You can make additional payments at any time, however, an early termination fee may apply on a Fixed loan up until the last 3 months of your loan term.