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Personal Loans

Find a loan that suits you, with our Fixed and Variable Rate options

Secured vs Unsecured Loans

  • Secured Loans are available if you're buying a car that will be twelve years old or less at the end of the loan term. Suncorp Bank will use your car as security for the loan, which means we can offer you a lower interest rate.
  • Unsecured Loans are available if you’re buying a car that does not fit the Secured Loan description or if you are borrowing for another purpose.

Variable vs Fixed Interest Rates

  • A Variable Interest Rate ‘varies’ in line with market conditions.
  • A Fixed Interest Rate locks you into your interest rate and repayment amount.

Minimum $5000, no special characters

Enter an amount between 1 and 7, using only numbers

Your Repayments

Minimum monthly repayment 


interest rate

What can a Suncorp Personal Loan be used for?





Debt consolidation

A Suncorp Personal Loan can be used for a wide range of things. Plan your dream wedding, tackle those long-overdue renovations or consolidate existing debt to make it more manageable — in fact, you can apply for a personal loan for any reasonable purpose, so long as you are financially eligible. Simply let us know what you need when you apply online, or call us to discuss your options on 13 11 55.

What we offer

Fixed Rate 
Personal Loan

Fixed Rate

Key features

  • Lock in your rate & repayment amounts
  • Make extra repayments at no cost, and pay off the loan any time after one year without penalty
  • Low $175 establishment fee and $5 monthly loan service fee
  • Minimum loan amount of $5,000

Variable Rate
Personal Loan

Variable Rate

Key features

  • Competitive variable interest rate
  • Make extra repayments at no cost, and pay off the loan at any time without penalty
  • Low $175 establishment fee and $5 monthly loan service fee
  • Minimum loan amount of $5,000

Looking to get a loan for a car? We do those too.

  • If you’d like to buy a new car (less than 7 years old) then we could give you a better deal on your interest rate by allowing you to use the car as ‘security’ on the loan. For more information, check out our Secured Car Loan.
  • If you’d like to buy a car that’s more than seven years old, then simply continue on with one of our fixed or variable rate Personal Loans. 

Repayment calculator

Calculate your repayments

Help & Support

Frequently Asked Questions

What is the difference between Secured and Unsecured Loans?

Secured Loans are where we use the asset you are buying with the loan as security. An Unsecured Personal Loan is where we aren't able to use the asset you are buying with the loan as security.

* 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 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 subject to change.

Loans are issued by Suncorp-Metway Ltd ABN 66 010 831 722 Australian Credit Licence number 229882 (“Suncorp Bank”). To approved applicants only. Fees, charges, terms and conditions apply and are available on request.

Insights and stories

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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.