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%7.99%5.04%
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Comparison Rate
15.45%8.62%7.51%
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.

* Based on a $150,000 loan over 25 years. 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.

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.