The lowest fixed rate on a NAB Personal Loan in 10 years.^

Rates and fees

  • 11.99

    fixed rate (for new loans only)

  • 12.87

    fixed comparison rate2

  • 15.69

    variable rate (for new loans only)1

  • 16.55

    variable comparison rate2

Benefits and features

Same day funds

  • If you are an existing customer and apply in- store by 2pm, you could walk away with your money that very same day3.
  • If your application is approved, your money will be in your NAB account within two hours.

Tailor your loan

  • Borrow from $5,000 to $55,000 with loan terms from 1 to 7 years.
  • Fixed or variable interest rate options.
  • If you've made extra payments you can redraw them at any time (variable rate loans only).

Choose flexible repayment options

  • Choose from weekly, fortnightly or monthly repayment option to suit your budget and needs.
  • Make lump sum repayments whenever you want at no extra charge.
  • Pay off your loan early without fees.

Quick document acceptance online

  • We know your time is important, so to make it easy, you can accept your loan documents in NAB Internet Banking. No more waiting in a queue at a branch or printing and signing documents.

Conditional approval

Still searching for the right car? Get upfront conditional approval for up to 3 months when you apply online4.

  • Having your finances sorted can help you negotiate a better deal, and give you confidence that you can borrow what you need and afford your repayments.
  • To provide conditional approval we’ll need to complete a credit check, which will be recorded on your credit file. Apply now.

Before you apply

After you apply

Important information

1 Rates and information current as at 15 January 2018 and subject to change. NAB personal variable loan rate includes special discount off standard variable personal loan indicator rates which is available on new loans and for a limited time. Terms, conditions, fees, charges and lending criteria apply.

2 Comparison rate calculated on unsecured loan amount of $30,000 over a term of 5 years based on monthly repayments.

WARNING: This comparison rate applies 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.

3 Only available to existing customers. Complete applications (including all supporting documentation) must be submitted in store by 2pm Monday-Friday. Same day funds will be unavailable if your loan purpose is to refinance non-NAB debts or if NAB requires your application to be reviewed by a lending specialist. Speak to us to find out more.

4 Conditional approval lasts for up to 3 months, and is subject to verification of the information provided in your application. Once you're ready to proceed with the loan just let us know and we'll resume your application. To provide conditional approval we'll need to complete a credit check. This will be recorded on your credit file.

^The lowest fixed rate on a NAB Personal Loan in 10 years’ refers to publically available advertised NAB Fixed Rate Personal Loans only. The claim does not refer to NAB Variable Rate Personal Loans, loans provided to NAB employees, or personal loans provided by related entities.

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