Heritage Bank Personal Loans
Get a personal loan or a car loan up to $50,000. Interest charges and fees apply.

Heritage Bank is the largest financial institution operating in the customer-owned banking space. It began operations in 1875 as Toowoomba Permanent Building Society, and now offers products such as personal loans, credit cards, home loans, super, and even business products such as term deposits and agribusiness. It offers two types of personal loans, a standard personal loan with a variable or fixed interest rate, and a car loan. Both loans are secured. The variable rate for the standard loan is 11.99% p.a., while the fixed rate is 8.99% p.a. With a variable rate loan, your repayments will fluctuate based on the market interest rate, while fixed rate loans have consistent repayments. The interest rate for the car loan is fixed at 6.49% p.a. The loan term for the personal loan is 1 to 7 years, while for the car loan it is 1 year to 7 years. An application fee of $250 applies.
Depending on your needs and what you're looking to finance, you have four options to choose from if you're looking to finance with Heritage Bank:
You can also find a range of other products available from Heritage Bank. These include:
If you're interested in applying for a Heritage Bank personal loan, click 'Go to Site' to get your application started. Specific eligibility criteria will depend on the loan you apply for, but for all Heritage Bank personal loans:
The online application will require you to have a few details on hand to complete it:
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Can I loan 10k I’m part time worker
Hi Jocelyn, We can’t provide personal advice, but your chances of being approved depend on things like your income relative to your expenses, and your job security. Your best bet is to contact Heritage directly.
Hi want a short term loan for building a house
Hi James,
While a personal loan can provide funds for many different purposes, you might also want to look at a construction home loan.
This type of finance is specifically designed for people who are building a house. You’ll want to confirm the construction terms your lender will offer, including how long you can build for using the loan and the process for drawing down and accessing funds.
For options, you can check and compare on our construction loan page. Simply click the Go to site icon once you’ve chosen a particular lender.
Regards,
Richard