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Go for it, with an Unsecured Personal Loan

Interest rate 8.99 % p.a.
Comparison rate 9.39 %^ p.a.
Unsecured - Fixed rates for 1-5 years

Want more to see the world?

Whatever you’ve got planned, our competitive rate and quick approvals can help make it happen. No security? No worries.

Why choose our Unsecured Personal Loan?

No security, no worries

When borrowing, you don’t have to offer collateral as security for the loan. This means you pay a slightly higher interest rate than our Secured Personal Loan.

No repayment shock

Competitive fixed interest rate which lets you stay in control with repayments.

Get approval

Get approval for any amount between $5,000 - $50,000 so you can shop for a car, boat, holiday, renovation project or consolidating your debt obligations.

No monthly or annual fees.

None. Zip. Ever.

Repayments on your terms

Select a repayment term and frequency that suits you. Loans from 1-5 years, with weekly, fortnightly or monthly principal and interest repayments.

Pay it off sooner

No penalties for making additional repayments, or paying your loan out sooner. Plus, free, unlimited online redraw is available.

 

Rates are effective as at 9am Wednesday 08/07/2026 and are subject to change without prior notice.

Unsecured Personal Loan interest rates

Unsecured Personal Loan - terms up to: Interest rate Comparison rate^
5 Years Fixed 8.99% p.a. 9.39% p.a.

Fees and charges

Establishment Fee $275
Monthly Fee $0

 

The above are a selection of our fees only, other fees and charges may apply.

Refer to the Lending Products Product Schedule,  Personal Loan Terms and Conditions, and the Lending Fees and Charges for further information regarding terms, conditions, fees, charges and credit criteria that apply.  

What can the loan be used for?

Proceeds from an unsecured personal loan can be used for any worthwhile personal purpose.

Who can apply for an Unsecured Personal Loan?

Anyone can apply for an Unsecured Personal Loan with us, provided that you:

  • Are 18 years of age or older and reside within NSW, QLD or ACT,
  • Have a demonstrated ability to afford loan repayments,
  • Are an Australian permanent resident.

Our Unsecured Personal Loan is for customers seeking a loan to finance for personal purposes such as debt consolidation, medical expenses and/or household items. View our Target Market Determinations here.

 

How to apply

Apply online

Simply enter your personal and loan details into our online form

Submit your application

That’s it. Too easy - we’ll be in touch to confirm the outcome of your application.

Log in

Apply using our app or online banking

Confirm your details

Double-check your personal and loan details are correct

Submit your application

That’s it. Too easy - we’ll be in touch to confirm the outcome of your application.

 

Calculate your Personal Loan repayments

Got questions about our Unsecured Personal Loan?

Of course. Here’s how to apply for a Personal Loan with more than one applicant.

Who can apply for a Greater Bank Joint Personal Loan?

Anyone can apply for a joint Personal Loan with Greater Bank, so long as both applicants are 18 years of age or older, have a satisfactory credit history, and are Australian permanent residents. 

What you’ll need to apply for a joint Personal Loan

To get things started, all we need is a few simple details. That’s it.

Our Joint Personal Loan Enquiry Form lets one of our lending experts know that you’re ready to apply with more than one applicant, and they’ll reach out to you.

Before our lending team gets in touch, it helps to have the following handy for all applicants:

  • Your current and previous employer details including name, address and contact number;
  • What you currently earn;
  • Current loan repayments and other payments you make;
  • Credit and store card limits and the value of your assets, and;
  • What your average monthly general living expenses are.

What to expect after applying

After speaking with our lending team, it’s over to us to do all the heavy lifting. You’ll hear from us again before long with the outcome of your application.

Terms, conditions, fees, charges and credit criteria apply.


To qualify for the New Car Loan interest rate, the loan must be to purchase a new car, van, utility, 4-wheel drive for personal use. Demonstrator vehicles with less than 5,000 kms on the odometer will be categorised as New for this purpose. Vehicles purchased second hand, refinanced, boats, motor cycles, caravans and trailers will not qualify for the New Car Loan interest rate.


For a Secured Personal Loan and New Car Loan, you can apply for a loan between $5,000 to $100,000.

For an Unsecured Personal Loan, you can apply for a loan between $5,000 to $50,000.

Terms, conditions, fees, charges and credit criteria apply.


To qualify for the New Car Loan interest rate, the loan must be to purchase a new car, van, utility, 4-wheel drive for personal use. Demonstrator vehicles with less than 5,000 kms on the odometer will be categorised as New for this purpose. Vehicles purchased second hand, refinanced, boats, motor cycles, caravans and trailers will not qualify for the New Car Loan interest rate.

 

Secured Personal Loans

A secured loan means you nominate an acceptable asset of yours (something valuable you already own or are purchasing) as security against the money you’ve borrowed.

It means if you’re unable to repay the loan, we may be able to sell the asset to pay towards your loan.

Acceptable assets can include a new or used car (up to 8 years old), a new or used motorcycle (must be under 7 years old by the end of the loan), a term deposit, or a new boat or caravan. Visit or call your nearest branch to chat with one of our local lenders to explore the options that work best for you.

Unsecured Personal Loans

An unsecured loan is a loan without an asset as security for the debt.

The interest rate for an unsecured loan is usually higher than a secured personal loan since this is a higher risk scenario for the bank.

Greater Bank offers both secured and unsecured personal loans to suit your needs.

Terms, conditions, fees, charges and credit criteria apply.

At Greater Bank, we don’t think you should have to wait to get what you want.

That’s why we will assess your Personal Loan application within 2 business days.

Once all relevant documents have been provided.


Terms, conditions, fees, charges and credit criteria apply.


Anyone can apply for a personal loan with Greater Bank, providing that you:

  • Are 18 years or older and reside within NSW, QLD or ACT.
  • Have a demonstrated ability to afford loan repayments.
  • Are an Australian permanent resident.
  • Meet Greater Bank's credit criteria including the ability to meet regular loan repayments as they fall due. 

Terms, conditions, fees, charges and credit criteria apply.

Can't quite find what you're after?

Got a question?

Maybe you’re not alone. Our FAQs answer some of the more common banking questions we get asked.

Frequently asked questions

Drop into a branch

Our friendly staff are happy to help with all your banking needs. Find a location near you across NSW and South East QLD.

Find a branch

Get in touch

Call us Monday to Friday 8:00am – 6:00pm and Saturdays 8:00am – 1:00pm AEST.

13 13 86

Terms, conditions, fees, charges and credit criteria apply.

^Personal Loan comparison rates are based on $30,000.00 for a term of five (5) years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.