• Am I eligible to apply for a loan?
• How much can I borrow?
• How do I make repayments on the loan?
• How often will I receive information on my account?
• What security is required?
• What happens if I get sick, have an accident or lose my job?
• Is a redraw facility available?

Am I eligible to apply for a loan?

You will need to:

• be over 18 years of age;
• be an Australian resident;
• apply in personal names; and
• have a permanent monthly income and/or a stable job.

Find out about becoming our member.^

How much can I borrow?
The maximum amount you can borrow is dependent on your ability to meet your repayments.

Want to calculate how much you can could borrow? Use our loan calculator. ^

How do I make repayments on the loan?
You can arrange to make your loan repayments either by payroll deduction, transfer from your savings or transaction account, Internet or telephone banking transfer, at any one of our branches, or by a direct credit from another financial institution. Learn more about these methods of repayment. ^

How often will I receive information on my account?
Statements on loans are issued monthly or every six months as required. A transaction list can be requested at any time from our branches, however a fee may apply for duplicate statements.

Account Balances and Statements are also available through our Internet and telephone banking services. ^

What security is required to take out a Personal Loan?
The security required will depend upon your individual circumstances. Examples of the type of security we may require a Bill of Sale over a motor vehicle or other assets. A fee is payable where this is required. ^

What happens if I get sick, have an accident or lose my job?
The best way to obtain peace of mind that your repayment obligations will be met in the case of accident, illness or involuntary unemployment is to take out insurance.

It is recommended that you take out insurance on your loan, although it is not compulsory it is designed to cover your lending obligations in the case of sickness, accident or involuntary unemployment. Learn more about our Loan Repayment Insurance. ^

Is a redraw facility available?
Yes, you may make extra repayments on your loan and therefore save money in interest charges and you also have the flexibility of being able to redraw on these extra repayments. The minimum redraw is $500. ^

Applying made easy

	Apply using our easy online application form.
Personal Loan form	Download form and return to your local branch.

Note: this form is provided in .pdf format and requires version, 4.0 (or later) of Adobe Acrobat Reader. You can download Acrobat Reader by clicking on the "Get Acrobat Reader" button below.

Want to find out more?

Use our Loan Calculator to work out your possible loan repayments.
Find out about our Loan Repayment Insurance.
Learn about Travel Insurance and Home and Contents Insurance.

Why not call and talk to us about your loan solution.

Get in touch by phone, fax, post or online