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Personal Loans
Secured and Unsecured Fixed Rate personal loans for new and used cars, renovations, wedding, and anything else you dream of.
Select a loan purpose to see our loan types and interest rates
Secured Car Loan
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 Unsecured Fixed Rate Personal Loan.
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
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
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
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
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
Track your loan application status anytime, anywhere
No charge for extra repayments
Eligibility requirements
What you'll need
What happens next?

Eligibility
To apply for one of our loans you must…
- Be at least 18 years of age
- Have kept a good credit record for the last 5 years
- Be employed or receive regular income
- Not be, or have been bankrupt or insolvent
- Be a permanent resident of Australia
- Have no past, present or pending judgements or claims against you
If you're self-employed please call 13 11 55 to apply
Check your eligibility

We let you know what documents we need, you can upload them online or email them to us

Receive a final loan decision in about 2-3 business days (once we have received all of your supporting documents)
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.
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.
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Insights and stories
Consumer Credit Insurance Eligibility Remediation Program
We are undertaking a comprehensive remediation program for Suncorp Bank customers who hold or may have held a Consumer Credit Insurance policy. Read more.
* Rates effective 28 September 2020, and subject to change at any time. Where a rate is not specified as referring to a secured loan product, the rate refers to the rate for an unsecured personal loan.
^ Comparison rate is based on $30,000 loan over 5 years. WARNING: This comparison rate applies only to the example or 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.
1 Where a loan has a fixed rate component, an early fee applies if you repay your loan within 12 months of settlement and the term of the loan exceeds 12 months.
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.
Eligibility
To apply for one of our loans you must…
- Be at least 18 years of age
- Have kept a good credit record for the last 5 years
- Be employed or receive regular income
- Not be, or have been bankrupt or insolvent
- Be a permanent resident of Australia
- Have no past, present or pending judgements or claims against you
If you're self-employed please call 13 11 55 to apply
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.