Your money, made simple

APS Benefits Group is an Australian nonprofit that offers simple financial services to help you stay on top of your money

Borrow money

Top up a loan

Become a member

Welcome to our new website!  See what’s new

Need a loan?

Personal Loan APS Benefits

Personal loans

Fast approval for up to $15,000

Car loan APS Benefits

Car loans

Borrow the total for a new car

Special Purpose Loan

Special purpose

Up to $60,000 for larger expenses

home loans APS

Home loans

Get a loan when the banks say no


Earn up to 4.00% in an APS term investment

Use a term investment to earn more for your savings, with flexible withdrawl options and no fees

Current rates

Earn 4.00% p.a in a 24 month term investment

Earn 3.75% p.a in a 12 month term investment

Earn 3.50% p.a in a 6 month term investment

Earn 3.25% p.a in a 31 Day Notice of Withdrawal account

Tax & Accounting

Learn more

Retirement & Super

Learn more

Legal Services

Learn more

Finance & Wealth

Learn more

A nonprofit with a difference

We’re owned by members

Our profits are returned to members as bonuses

We hear you

Local phone support means you can get help fast

We reward members

Longstanding members can access additional benefits

We support the community

APS sponsors the Cerebral Palsy Education Centre

Become a member today

All members receive a funeral benefit and share in our profits

Share in our profits

Our annual surplus is generally returned to members as a bonus on top of their funeral benefit

Get a loan when you need one

Some loans are reserved for members. If you’re already a member, enjoy fast loan approvals

Get a guaranteed funeral benefit

No medical checks required. Just piece of mind for your family knowing your funeral is taken care of


The world we live in is changing

But our commitment to you and your family never will

APS Benefits member review

Your professionalism was impeccable, not only in your understanding of the law, but explaining in simple words that we could understand and make decisions on.


APS Benefits member review
Customer testimonial

I’m very satisfied with this service. And what I find attractive is that I will never have to deal with a Big Four bank ever again. Thank you, APS.


APS Benefits members
APS Benefits member review

Absolutely amazing service and friendly staff willing to answer any questions you need. Would highly recommend for multiple reasons, loans, funeral cover, savings accounts etc. Also love that they remember who you are and you’re not just another person.


APS Benefits member review
Customer testimonial

I have engaged APS on various legal and financial matters, and I am pleased to say their service is not only professional but also caring, courteous and always handled promptly and successfully. Thanks APS. Look forward to many years of service


APS Benefits members

In the community

Personal Loan APS Benefits

Help us raise $5000 for children with cerebral palsy

Funds will go to support the Cerebral Palsy Education Centre to build a bike track for children who suffer from cerebal palsy.

News and insights

Plan for the future with the ‘three-bucket approach’

Plan for the future with the ‘three-bucket approach’

When planning for retirement,  it is important to consider mitigating risk as well as providing for your desired retirement lifestyle. Several strategies can be used but one popular approach to consider is the ‘three-bucket approach’ to retirement planning.

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Welcome to the new APS Benefits website

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