Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.
Personal Loans
Find a loan that suits you with our Fixed and Variable Rate options.
Apply online and get a first stage outcome in 15 minutes
Select a loan purpose to see our loan types and interest rates
Secured Car Loan
If you’re buying a car that’s up to 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.
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.
Fixed Interest Rate
Variable Interest Rate
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.
Fixed Interest Rate
Variable Interest Rate
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.
Fixed Interest Rate
Variable Interest Rate
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.
Fixed Interest Rate
Variable Interest Rate
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.
Fixed Interest Rate
Variable Interest Rate
Upload your documents online
Apply online and get a first stage outcome in 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:
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 have a minimum loan amount of $5,000. Your final loan amount depends on final application review.
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
Find out exactly what Suncorp customers thought about their website experience when applying for a loan.
Reviews are managed and sourced by BazaarVoice.
Reviews are independently verified and detail our customers' real experiences.
Suncorp Bank Personal Loan Website Experience is rated
out of
5 by
40.
Rated 3 out of
5
by
Jacquie from
Limited Answers
I am trying to apply for a personal loan, but not enough options were given
Date published: 2019-09-16
Rated 4 out of
5
by
David from
Great features
This will be my third time getting a loan with Suncorp and I thought I would apply online this time. The process was easy and well explained through the questions. It was no too stressful which is what I was worried about to start with.
Date published: 2019-09-14
Rated 5 out of
5
by
Tezza from
Super easy
Such an easy process, short application and to the point - very happy!
Date published: 2019-09-05
Rated 4 out of
5
by
pedro from
worked well and smooth sailing
easy to use anyone, should be understand use this.
Date published: 2019-09-04
Rated 4 out of
5
by
wastie from
Simple and easy to follow steps
Simple and easy to follow online application took the stress away from phone calls
Date published: 2019-08-29
Rated 5 out of
5
by
BecT from
Very easy to navigate
Happy we tried suncorp and are ready to flick off the other big banks!
Date published: 2019-08-27
Rated 5 out of
5
by
lollypop from
fast process
Very easy to understand and fast and efficient. Very Good!
Date published: 2019-08-25
Rated 5 out of
5
by
Peter from
Suncorp Website
Totally user friendly web site, one of the best I have used
Date published: 2019-08-24
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.
* Comparison rate warning: 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 11 July 2019, and subject to change at any time.
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.
