Best Unsecured Personal Lender

RFi Group’s Australian Lending Awards 2021

Here's what you get...

  • 1-7 years flexible loan term.

  • Borrow from $5,000 up to $55,000.

  • Redraw available with variable rate loans.

  • Flexible weekly, fortnightly or monthly repayments.

Features and Benefits

Funds benefit

Same day funds

If you are an existing customer and approved in-store by 2pm Monday to Friday.3

equity loan calculator

Tailored pricing

Get an interest rate that’s suited to your personal circumstances.

square tick

Quick online acceptance

Get your money faster with simple document acceptance through NAB Internet Banking.

no dollar fee

No exit fees

Paying off your loan early is something to be proud of, so we won’t surprise you with any exit fees.


The majority of our personal loan customers will get the advertised headline rate or lower.

However, depending on your personal circumstances, we may offer you a higher or lower rate when you apply.

Our personalised interest rates
Variable rate
Headline rate1
12.69% p.a.
Comparison rate2
13.56% p.a.
Our personalised interest rates
Fixed rate
Headline rate1
12.69% p.a.
Comparison rate2
13.56% p.a.
Our interest rate range
from 6.99% p.a. to 18.99% p.a.
Comparison rate range2
from 7.91% p.a. to 19.83% p.a.

Application fee

One off payment when loan is established

Monthly fee $10
Exit fee $0
Late payment fee $0

Reasons you might want a personal loan

vehicle showroom

Personal Loan for your car

Dreaming of a different drive but need a car loan? A NAB Personal Loan can get you on the road.
woman with laptop

Personal Loan for debt consolidation

Dealing with multiple debts can be difficult. Put it all in one place and get a helping hand with a NAB Personal Loan for debt consolidation.

house renovation couple

Personal Loan for home renovation

Renovations can be full of surprises, but a NAB Personal Loan for home improvement shouldn’t be. Be prepared for anything with a personalised loan.

engaged married couple

Personal Loan for a wedding

Your wedding is a personal experience, so your loan to finance it should be too. Get a NAB Personal Loan that works for you.

family on vacation

Personal Loan for travel

Family vacations to solo adventures, there’s a NAB Personal Loan for your travel needs.
two women talking

Personal Loan for a caravan

Start exploring with a personal loan for a caravan.
man checking his phone

Personal Loan for a motorbike

Our personal loans can help you with the financing you need for a new or used motorbike.
sailing a boat

Personal Loan for a boat

Our personal loans for boats could help you get on the water sooner than you think.

Important information

1Headline rate, interest rates and information current as at 1 April 2021 and subject to change. Terms, conditions, fees, charges and lending criteria apply.

2Comparison rate calculated on unsecured loan amount of $30,000 over a term of five 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.

3Only 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.

Personal Banking Fees - a guide to fees and charges (PDF, 517KB)

Personal Loan Agreement - General Terms (PDF, 372KB)

Indicator rates for other personal lending

We're ready to help you

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