Personal Loans

Our personal loans are packed with features like low interest rates, online redraw and unlimited extra repayments. Find the best rate personal loan for you.

Our personal loans - what's the difference?

Car Loan
4.89 % PA 5.53 % PA
Fixed Interest Rate
Comparison Rate*
  • For new or used vehicles up to 5 years old
  • 100% finance available to approved applicants
  • Fixed repayments to make budgeting easy
  • Unlimited extra repayments and online redraw
Personal Loan
7.99 % PA 8.62 % PA
Fixed Interest Rate
Comparison Rate*
  • For vehicles over 5 years old, travel, renovations and more 
  • Small personal loans from $5,000 
  • Fixed repayments to make budgeting easy
  • Unlimited extra repayments and online redraw
Why Heritage?

Customer Owned Banking you can bank on.

Established in 1875, and with more than $11 billion in assets, Heritage is one of Australia's largest Customer Owned Banks.

Customer Owned Money Minder of the Year 2021.

The results are in! We are Money Magazine's Customer-Owned Money Minder of the Year 2021.

Research tools
How much can I borrow?
Personal Loan repayment calculator
Car Loan repayment calculator
Buying a car
Tips to help get your personal loan approved
Compare our personal loans

We're available to support you through your personal loan application and answer any questions you may have.

If you'd like to talk to our specialists about our personal loans, tap here for live assistance.