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Personal Loan |
Personal Project Loan |
Tertiary Student Loan |
| Ideal for |
- car or motorcycle
- boat or jetski
- caravan
- debt consolidation
- travel
- investment
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- home renovations
furniture or appliances
- wedding & honeymoon
- baby preparations
- vehicle modifications
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- car or motorcycle
- computer
- study fees and books
- furniture and appliances
- relocation expenses
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| Loan amount |
$5,0001 up to $80,000 |
$5,000 up to $35,000 |
$500 up to $20,000 |
| Interest rate |
Variable or Fixed |
Variable |
Variable |
| Interest free period |
0 days |
60 days |
0 days 2 |
| Access to funds |
- Bank cheque(s) and/or
- NAB transaction account 7
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- Visa merchants
- NAB Internet banking3
- NAB Telephone Banking3
- NAB branch4
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- Bank cheque(s) and/or
- NAB transaction account
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| Redraw |
 7
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| Minimum transaction amount |
7
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$3005
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$5006 |
| Security required |
Secured or unsecured |
Unsecured only |
Secured or unsecured |
| Application eligibility criteria |
- Over 18 years
- Wage or salary earner
- Australian permanent resident
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- Over 18 years
- Wage or salary earner
- Australian permanent resident
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- Over 18 years
- Full time tertiary student at University, TAFE, Agricultural college or Registered Training Organisation
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| Loan term |
1 - 7 years |
Up to 7 years |
3 years, at the expiry of the deferral period (up to 5 years)2 |
| Repayment free period |
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Up to 5 years2 |
| Repayment frequency |
Weekly, fortnightly or monthly |
Monthly |
Regular or occasional repayments can be made during the deferral period to save on interest |
| Repayment methods |
- Periodical payment
- NAB Internet Banking3
- NAB Telephone Banking3
- NAB branches
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- Direct debit
- NAB Internet Banking3
- NAB Telephone Banking3
- NAB branch
- BPAY®
- Mail
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- Periodical payment
- NAB Internet Banking3
- NAB Telephone Banking3
- NAB branches
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| Early repayment without exit fees |
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| Fees |
Guide to fees & charges |
Guide to fees & charges |
Guide to fees & charges |
| How to apply? |
| You can apply online, call 13 13 12 from 8am to 9pm EST, 7 days a week, or drop into any NAB branch. Hearing impaired customers with telephone typewriters can contact us on 13 36 77 from 8am to 8pm EST, Monday to Friday. When you apply, you'll need:
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NAB Home Loan customers unable to use redraw to access small loan amounts, can borrow from a minimum of $2000.
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Repayments begin three months after full-time study is completed. Interest is accrued from the date of drawdown.
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Terms and conditions apply and are available upon registration for the service. Fees and charges may be payable.
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Accessing funds in a non-NAB branch will incur a non-NAB Branch Withdrawal Fee.
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Each transaction under $300 will incur a Low Value Transaction Fee.
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Customers can progressively drawdown a minimum of $300 at a time with no fees.
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Redraw is only available on unsecured variable rate personal loans that do not have a guarantor. Funds must be transferred to a NAB transaction account. Minimum redraw amount is $500, maximum redraw amount is $15,000.
Terms and conditions available on application. Fees and charges are payable. Normal lending criteria apply.
® Registered to BPAY Pty Ltd ABN 69 079 137 518
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