APS Loans

Did you know that we offer five types of APS loan products? Whether you’re looking to buy a car, a new home or to consolidate debt, we are here to help you when you need it most. So what loan type suits your needs?


Personal Loans

Get quick access to money with APS Personal Loans. 

Unsecured personal loans

With APS Unsecured personal loans, you can borrow up to $25K with an interest rate of 12.9% p.a. Your loan term can be up to seven years with a redraw facility available to assist you if any unexpected costs arise. Learn more about unsecured personal loans here.

Low-Interest Personal Loans

APS Low-Interest Personal Loans require security, however, you can borrow up to $40K. The interest rate is just 8.9% p.a. And you can pay it off over seven years (or less).

Learn more here.


Car Loans

Borrow up to the full value of your vehicle with APS Car Loans. Enjoy flexible repayments with no fees! For new cars, you will pay an interest rate of 7.9% over 5 years. If you’re looking for a used car, your interest rate will be 8.9% p.a.

Learn more here.


Home Loans

If you are self-employed, have poor credit or just don’t seem to meet bank criteria, get in touch to see if you qualify for an APS Home Loan. If you have a 30% deposit or equity in your property, there is a good chance we can help you. We’ll make the application process as seamless as possible, right through to settlement.

Learn more here.


Caveat Loans

Secure a quick source of finance with APS Caveat Loans. When you need funds quickly, there’s nothing worse than having to go through the long, painful process of bank applications and financial approvals. At APS Benefits, we focus on ways of approving rather than declining, often approving within 24 hours. Borrow up to $150K at a fixed interest rate of 9.90% p.a. with no monthly or early repayment fees. Learn more here.


Special Purpose Loans

If you own property, and with an acceptable credit rating, you may be eligible for a Special Purpose Loan where you can borrow up to $100,000 for your next project. Depending on your equity and credit rating, fixed interest rates vary between 7.90% p.a. and 9.90% p.a. With flexible repayments and no early repayment fees. Learn more here.


APS Loans

Do you have questions about any of our loan types? Get in touch with the APS Loans team and we will answer any questions that you may have, big or small!