Juggling debts can be tricky, but you can save on fees and reduce interest by refinancing or consolidating your debt with a NAB Personal Loan.
Managing multiple debts can be hard, with various repayments and interest rates to remember. Refinancing your debt lets you make one repayment at your preferred frequency - weekly, fortnightly or monthly. Use our debt consolidation calculator to see how a NAB Personal Loan could help you get in control of your debt.
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.
| Variable rate | |
|---|---|
| Headline rate1 | 12.69% p.a. |
| Comparison rate2 | 13.56% p.a. |
| Fixed rate | |
|---|---|
| Headline rate1 | 12.69% p.a. |
| Comparison rate2 | 13.56% p.a. |
| Our interest rate range | Rates can range from 6.99% p.a. to 18.99% p.a. |
| Comparison rate range2 | Comparison rates can range from 7.91% p.a. to 19.83% p.a. |
| Fees | |
Application Fee One off payment when loan is established |
$150.00 |
| Monthly Fee | $10.00 |
| Exit Fee | $0.00 |
You could enjoy fewer fees, lower interest – and less stress.
How your creditworthiness can help you get ahead.
Steps you can take to get on top of things – and take charge.
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 an 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, 357KB)
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