Compare Personal Loans

Got your eye on a new car or been dreaming about jumping on a plane for a well deserved escape? Heritage puts people, and their dreams, first with a range of great personal loans.

Standard Personal LoanCar LoanLow Rate Secured Loan
Standard Personal LoanCar LoanLow Rate Secured Loan
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Interest Rate
12.99%8.99%5.14%
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Comparison Rate
15.45%9.62%7.61%
Variable Rate Option AvailableTickTick
Fixed Rate Option AvailableTickTick
Application Fee$200$200$200
Monthly Fee$5$5$5
Minimum Loan Amount$5,000$5,000$5,000
Maximum Loan AmountUnsecured
$25,000
(Higher amounts may be approved by credit on application)

Secured
$100,000
$100,000$100,000
Minimum Loan Term1 year1 year1 year
Maximum Loan Term10 years7 years10 years
Ability to redraw additional repaymentsTickTickTick
Make additional or lump sum repaymentTickTickTick
Repay weekly fortnightly or monthlyTickTickTick
Repay in full at any timeYes. Penalty may applyYes. Penalty may applyTick

* Car loan comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments, for secured loans only. All other personal loan comparison rates calculated on a loan amount of $10,000 over a term of 3 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

* Home loan comparison rate based on a $150,000 loan over 25 years.  Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999.  WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances.

Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate.  Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 80% and Living Equity has a maximum LVR of 80%. Heritage is not accepting any new investment applications until further notice.

This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.

To approved applicants only. Fees, charges and conditions apply.

* Car loan comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments, for secured loans only. All other personal loan comparison rates calculated on a loan amount of $10,000 over a term of 3 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Personal loan repayment terms range from 1 to 10 years. Comparison rate representative example is based on: an unsecured loan of $10,000 borrowed for 3 years with the minimum interest rate of 12.99% p.a. (14.02% p.a. comparison rate), the estimated total amount payable including fees is $12,308.09. WARNING: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.