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Personal Loans
Find a loan that suits you with our Fixed and Variable Rate options.
Select a loan purpose to see our loan types and interest rates
Secured Car Loan
If you’re buying a car that’s less than seven years old, you can use it as security for the loan. We can even refinance a car loan held with another institution as a secured loan.
Fixed Interest Rate
See all features, rates and fees
If your car is more than 7 years old, or you’d just prefer not to use it as security for a loan, you can apply for our Variable or Fixed Rate Personal Loans.
Consolidate your debts
If you have multiple debts – for example, credit card debts, car loans or other personal loans – you’re probably dealing with multiple statement and payments. Consolidating them with one Suncorp Personal Loan can help you take control.
Renovations
Most homeowners have a few improvements projects they’d love to get done, whether it’s to spruce up a house for sale or turning it into the right home for your family. A Suncorp Bank Personal Loan can help.
Travel
There can be nothing better than getting away from your day-to-day and spending a few weeks – or maybe months! – broadening your horizons. A Suncorp Bank Personal Loan can help make it happen.
Weddings
Your dream wedding might just be the biggest day of your life – but it can also be one of the most expensive. A Suncorp Bank Personal Loan can help make it as special as you’ve always dreamed it could be.
Other
There are a wide range of reasons that people get Personal Loans, from new home appliance fit-outs to covering study expenses. Consider whether a Suncorp Bank Personal Loan is right for you.
Upload your documents online
Receive a response within 15 minutes
No early payout fee after 12 months - or at any time for a variable rate loan
No charge for extra repayments
Applying online is quick and easy
Are you eligible?
To apply for one of our loans you must:
Loan Calculators
Personal Loan Repayment Calculator
Estimate how much your loan repayments might be based on the amount you'd like to borrow.
Comparison Calculator
Compare our personal loans to find the best loan for you.
Personal Loans can be used for ...
Car
Get behind the wheel of a new car – and if it’s less than 7 years old, you can get a secured loan and pay even less.
Debt consolidation
Multiple debts means multiple statements and payments. Make things a little more manageable.
Travel
Whether it’s backpacking across Asia or chilling in an Italian villa, turn your dream holiday into reality.
Renovations
Tackle that list of improvements and turn to-do into done.
Weddings
Make your special day even more special by treating your guests to the best.
Other
Whether you’re studying, investing in some new home items or just treating yourself, we can help.
Help & Support
Frequently Asked Questions
What’s the difference between a fixed rate and a variable rate personal loan?
A fixed rate personal loan locks in an interest rate and repayment amount, meaning that your payments won’t change for the life of the loan and you can rely on a regular payment schedule.
With a variable rate loan, your payments may rise or fall at any point during the life of the loan. This means that you may reap the benefit of a lowered interest rate, but you’ll also be susceptible to interest rate increases. You can make extra payments at no cost and pay off the loan at any time without penalty.
Suncorp personal loans are available for any amount between $5,000 and $80,000 dollars.
Our personal loans are available over a 1 to 7 year term, depending on your loan amount and purpose. If you’re refinancing a loan or consolidating debt, the maximum term available is 5 years.
For Suncorp Bank secured loans, we use the vehicle you’re buying as security for the loan. We can also refinance a car loan held with another institution as a secured loan.
An unsecured personal loan is where an asset is not held as security. Such a loan can be used for a variety of purposes, including to purchase a car.
The amount of interest you pay over the course of the loan will depend on your loan amount and loan term. You can calculate your repayments based on the loan size and term by using our repayments calculator .You’ll be able to see the difference it makes if you pay weekly, fortnightly or monthly.
Suncorp Bank Personal Loans
Insights and stories
Showing 3 of 4 articles
Showing 2 of 4 articles
Showing 1 of 4 articles
Whether you have an odd job around the house or a major renovation planned, you will need a tradie or two. Find out who you need for your project and why. – Read More
Learn how to negotiate a better price when buying a car - get your car for a better price so you have money left over in your budget.
Undertaking further study can help you stay competitive and jump into a rewarding career, but what finances will you need to achieve this? - Find out more.
* The comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as 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. Comparison rate is based on a $30,000 loan over 5 years.
^ Rates effective 18 March 2019. Available for Variable & Fixed Unsecured Personal Loans only.
Banking products are issued by Suncorp-Metway Ltd ABN 66 010 831 722 Australian Credit Licence number 229882 (“Suncorp Bank”) to approved applicants only. Please read the relevant Product Information Document and Terms and Conditions before making a decision regarding a Suncorp Banking product. Fees, charges, terms and conditions apply and are available on request or at Product Information Documents and Forms page.
In order to take out a loan with us you are not required to take out this insurance, however, for your convenience, we will provide further information on this insurance during your personal loan application process.
The calculations provided are estimates only and based upon the information entered into the calculator by the user. The resulting calculations do not constitute a loan application or variation to an existing Suncorp Bank facility, loan offer or loan approval.
Fixed Rate
Lock in your interest rate and repayment amount.
Variable Rate
A rate that ‘varies’ in line with market conditions.
Comparison Rate
A comparison rate is a rate that indicates the true cost of a loan. This rate incorporates certain fees and charges that are applicable for the chosen product.
