Following the Reserve Bank’s recent decision, we're increasing our existing home, investment and business variable rate loans by 0.25% p.a. from 17 February 2026. Learn more here.
Personal Loans
View our low interest rates for personal loans and find the best rate personal loan for you.
Comparison Rate* See warning
About this Rate
Our personal loans - what's the difference?
Car Loan
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Fixed Interest Rate
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Comparison Rate*
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- For new or used vehicles up to 10 years old and over $20,000
- 100% finance available to approved applicants
- Fixed repayments to make budgeting easy
- Unlimited extra repayments and free online redraw
Wanting to buy a car over 10 years old or under $20,000?
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Comparison Rate* See Comparison Rate warning
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A Standard Fixed Personal Loan could be a better fit.
What would you like to do with your loan?
Why Heritage?
People first. Always.
We've been committed to Australian communities since 1875. In a world where so much has changed, our mission to put people before profits, never has. Learn more
Research tools
We're available to support you through your application and answer any questions you may have.
If you'd like to talk to our specialists about our loans, tap here for live assistance.
Are you an existing Heritage member?
This will determine how best we can help.