No deposit required
No penalty for early repayments
Loan terms up to 7 years

If you’re looking to buy a used car or another type of motor vehicle, like a car, boat, caravan or motorcycle, we offer a competitive variable secured personal loan option.

Looking for a loan to purchase a new car up to 3 years old? Try our New Car Loan.

Our Secured Personal Loan is also a great option if you want to use an existing vehicle as security for financing another purpose, such as funding a well-earned holiday, purchasing household goods, sporting goods or consolidating personal debt into one manageable loan.

Our Secured Personal Loan is generally available for larger amounts and having the security of a vehicle over the loan means we can offer a lower interest rate than our Unsecured Personal Loan option.

If you don't have security you can provide, don't worry as we have an unsecured personal loan option available – find out more about our unsecured personal loans. Or, if you're looking to renovate your home, we have personal loans available for renovation purposes.


  • Variable rate
  • Available for a range of purposes
  • Terms up to 7 years
  • Pre-approval available to give you more bargaining power
  • No deposit required
  • Able to make extra repayments with no early repayment fees
  • Choice of weekly, fortnightly or monthly repayments

Rates & Fees

Product Interest Rate
Secured Personal Loan 11.45 Interest rate 12.37Comparison rate
Effective date from Thursday 23 November 2023
Establishment fee $120
Document fee Document fees may apply
Loan maintenance fee $10 / Per Month
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The fine print

Please be aware that variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Normal lending criteria, terms and conditions apply and are available on request.

* WARNING: These comparison rates apply 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. A comparison rate schedule is available at any of our branches. Comparison Rate calculated on a secured loan of $30,000 over a 5 year term based on monthly repayments.

Before acquiring this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Target Market Determination; Personal Loan brochure; Account and Access Facility Conditions of Use; Credit Guide; Fees and Charges brochure, and the Loan Interest Rate Schedule.