Loans > Personal Loan
Personal loans
Achieve your goals with the right personal loan. Choose from either a low interest personal loan or an unsecured personal loan.
Choose a personal loan
Unsecured Personal Loan
- Borrow up to $25,000
- Fixed interest rate and repayments
- Membership is required
- No property or car security necessary
Low Interest Personal Loan
- Borrow up to $40,000
- Pay a lower interest rate by using your property or car as security
- Fixed interest rate and repayments
Compare personal loans
| Unsecured Personal Loan | Low Interest Personal Loan | |
| Loan amount | $500 – $25,000 | $500 – $40,000 |
| Annual interest rate | 12.90% | 8.90% |
| Term available | 1–7 years | 1–7 years |
| Repayment frequency | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly |
| Security required | None | Property or vehicle |
| Features | • Redraw facility • No fee for paying loan off early • Loan approval could be under 48 hours |
• No redraw facility • No fee for paying loan off early • Loan approval could be under 48 hours |
Use a personal loan to…
Manage everyday expenses
Travel or holiday
Consolidate debt
Pay for medical expenses
Renovate property
“Great to deal with. I don’t have the best credit history and Tony was happy to help when banks wouldn’t.”
–John
“Always exceptional customer service. APS make the loan application process so easy and effortless.”
–Heather
“Wonderful compared all the other lenders. They help you when life throws curve balls – tough times.”
–Rebecca
Important information
Terms, conditions, fees, charges and lending criteria apply and are available on application. The information above is general advice only and does not take into account your personal objectives, financial situation or needs and you should consider if it appropriate for you.
1. Comparison rate calculation is based on a secured loan of $10,000 for a term of 3 years with fortnightly repayments unless otherwise stated. WARNING: The Comparison Rate applies only to the examples given and may not include all fees and charges. Different amounts and terms will result in different comparison rates. Costs such as redraw fees (top up fees), dishonour fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.