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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.

Limited time offer!

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.

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

Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)

Applying online is quick and easy

Ensure that you’re eligible

There are a few eligibility requirements that you should be aware of below

Apply online

It should only take around 15 minutes. You’ll need proof of ID and current financial information.

Sign your contract

If approved, you'll receive your approval outcome within 2-3 business days.

Access your money

You can view your loan and repayment details in Internet Banking.

Are you eligible?

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

Loan Calculators

Personal Loan Repayment Calculator

Estimate how much your loan repayments might be based on the amount you'd like to borrow.

Calculate repayments

Comparison Calculator

Compare our personal loans to find the best loan for you.

Compare personal loans

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 Bank Personal Loans

Fixed Rate 
Personal Loan

Variable Rate
Personal Loan

Secured Car Loan

Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)

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 4.6 out of 5 by 27.
Rated 5 out of 5 by from Easy to navigate features Waiting for application response. Very quick and easy process
Date published: 2019-08-08
Rated 5 out of 5 by from Great features! Easy to use! Simple language This bank is great! Such low rates & the online banking is so easy to use!
Date published: 2019-07-31
Rated 4 out of 5 by from Easy to use Found initial application relatively easy however found some areas lacking in amount of information I could provide
Date published: 2019-07-29
Rated 2 out of 5 by from A poor experience I would have preferred to go into a branch but was advised to apply on line as the process was quicker. I'm not sure it was, multiple attempts of trying to get the loan approved, proved timely and frustrating
Date published: 2019-07-20
Rated 4 out of 5 by from Great options It has many options to do the financial and easy to understand and do the right things
Date published: 2019-07-19
Rated 3 out of 5 by from Awesome Absolutely fantastic I strongly recommend to everyone.
Date published: 2019-07-18
Rated 5 out of 5 by from Banking app and loan application Both the banking app and loan application programs are very easy to navigate, providing clear instructions. All readily available at all hours, providing great confidence and reliability with Suncorp.
Date published: 2019-07-16
Rated 5 out of 5 by from Applying Personal Loan Easy to navigate and answer the questions asked. Everything is explained through documents
Date published: 2019-07-10
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Insights and stories

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* 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.