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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.

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.

Track your loan application status anytime, anywhere

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

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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.

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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

Here to help
Take the guesswork out of your finances.

Get a clear understanding of how much you could borrow, earn or save.

View all calculators

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Personal loan repayment calculator

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How much can I borrow?

Personal Loans FAQs

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Check the latest interest rates

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

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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 4.7 out of 5 by 59.
Rated 5 out of 5 by from Very ezy Great an ezzy to do Very good site My mum recomend suncorp thank you
Date published: 2019-11-14
Rated 5 out of 5 by from Personal loan application It is nice to use the website and the information are very clear
Date published: 2019-11-13
Rated 5 out of 5 by from 5 star Best service ever nice and easy really recommended
Date published: 2019-11-11
Rated 5 out of 5 by from So simple Applying for a loan via suncorp internet banking is so easy quick and simple. I did it within 10 minutes
Date published: 2019-11-07
Rated 5 out of 5 by from Really Easy and Straight Forward I have banked with Suncorp my whole life and have found the website easy to use. I have also recently applied for a personal loan and the process has been so so easy, straight forward and fast.
Date published: 2019-11-04
Rated 5 out of 5 by from Friendly service! We moved our accounts to Suncorp and havent looked back!
Date published: 2019-10-31
Rated 5 out of 5 by from Excellent system Fast and applicant-friendly process. I would definitely recommend to friends.
Date published: 2019-10-23
Rated 5 out of 5 by from Relatively easy straightforward and painless process! The rates is competitive and terms are good, not sure how long the process takes...wait and see...
Date published: 2019-10-22
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Insights and stories

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* Rates effective 26 August 2019, 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.

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.