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.”

“Always exceptional customer service. APS make the loan application process so easy and effortless.”

“Wonderful compared all the other lenders. They help you when life throws curve balls – tough times.”

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.

See comparison rate schedule