27/03/2020:
Heritage Bank will cut interest rates in a move designed to help those hit hard by the COVID-19 downturn. Read more
With all our Personal Loans
- Online redraw
- Make unlimited extra repayments
- Flexibility to make weekly, fortnightly, or monthly payments
- Access via Mobile Banking App, Internet Banking, and Branch
- Access via the usual channels: ATM, App, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, Branch
- Access via the usual channels: ATM, App, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, Branch
Loan features
| Standard Fixed Personal Loan | Fixed Rate |
| Standard Variable Personal Loan | Variable Rate |
| Car Loan | Fixed Rate |
| Low Rate Secured Loan | Variable Rate |
| Standard Fixed Personal Loan | Unsecured: $5,000 to $25,000 (Higher amounts may be approved on application) Secured: $5,000 to $50,000 |
| Standard Variable Personal Loan | Unsecured: $5,000 to $25,000 (Higher amounts may be approved on application) Secured: $5,000 to $100,000 |
| Car Loan | $5,000 to $100,000 |
| Low Rate Secured Loan | $5,000 to $100,000 |
| Standard Fixed Personal Loan | 1 to 5 years |
| Standard Variable Personal Loan | 1 to 10 years |
| Car Loan | 1 to 7 years |
| Low Rate Secured Loan | 1 to 10 years |
How much?
Some of our loans have special requirements that allow us to provide a lower rate.
| Standard Fixed Personal Loan | Fixed Rate only. Security maybe required as part of the conditions of loan approval. |
| Standard Variable Personal Loan | Security maybe required as part of the conditions of loan approval. |
| Car Loan | Loan must be secured by either a new, or used car that is less than 5 years old at the time of funding, and no older than 10 years by completion of the loan. Assessable security value must be at least $10,000 for a motor vehicle, and at least $5,000 for a motor cycle. |
| Low Rate Secured Loan | A term deposit must be used for security |
All personal loans incur a $5 monthly fee, and $200 application fee (which can be financed into the loan)
We are here to help
Our specialists will help you find the right product and support you through every step of the purchase.
Or call 13 14 22 to speak to an expert