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Your dream is closer than ever

Whether it’s a car, holiday, home reno, or your dream wedding, we’re here to help make it reality, today.

 Apply online and get a first stage outcome in 15 minutes 

Why choose our Variable Rate Personal Loan?

You can upload your documents online

Apply online and get a first stage outcome in 15 minutes

You can repay your loan at any time without penalty

You won’t be charged for extra repayments

Our Variable Rate Personal Loan helps you get what you need now and allows you to repay the loan at any time without penalty. You can select a loan term that suits you and make extra payments whenever you choose. The variable interest rate means that, if rates go down, so do your payments (FYI, your payments may increase if rates go up).

Rates and fees

Interest Rates




Establishment Fee (financed with the loan)


Monthly Account Keeping Fee

$5 per month for the term of your loan

Early Payout Fee


Establishment fees and monthly fees are waived for Suncorp Home Package Plus customers.

For a complete guide to the fees and charges on our Personal Loans, download our Lending Fees and Charges brochure

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

How to close your Personal Loan account

Pay the remainder of your loan

To close your personal loan account, the correct payout amount must be paid into the account

Get your payout figure

The correct payout figure can be obtained within a store or over the phone. This payout figure includes the remaining amount of the loan, any interest accrual since the last due date and the Early Payout fee or insurance* rebate if applicable

For Secured Car Loans

If you are paying out a Secured Car Loan, once the correct amount has been paid into the account and the account has closed the charge over the vehicle will be released

* If you have opted in for Consumer Credit Insurance at the time of obtaining your personal loan and you choose to pay out your personal loan early, you may be eligible for an insurance rebate. This is only applicable for insurance premiums which have been capitalised onto the amount borrowed.

Get started in minutes

Apply online

You'll need 15 minutes and two forms of identification


Call us

Mon – Fri 8:30am – 7pm

Visit us

Visit your nearest store and we'll take you through it face to face

Insights and stories

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* Rates effective 18 March 2019 and subject to change at any time. The rate quote is for an unsecured variable rate 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.

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.

Competitive Variable Interest 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.

Next Day Working Conditional Approval

Provided the information you supplied in your application is correct and you can prove that to us.

The Personal Property Securities Register

The Personal Property Securities Register (PPSR) is a national online register that can provide information to help protect consumers when they are buying personal property such as cars, boats or artworks (not including land or buildings). If you are buying a car privately you should conduct a search and check that there is no money owing on the car.

Got a Question?

Ask Scout, the Suncorp Virtual Assistant