IMB Bank
Personal Line of Credit
An IMB Personal Line of Credit works in conjunction with your everyday banking account, so you have the simplicity of managing one account with the added benefit of easy access to extra funds as you need them.
OverdraftsBank updated 22 Sept 2026
At a glance
- Variable
- 13.85%
- Loan size
- $500 to $20,000
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 13.85% | — | — |
§ 02 — Fees · 1
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Fees and charges apply to linked account IMB deposit account. | Other | No fee | — | Personal Credit Line facility must be linked to an IMB deposit account. Terms, conditions, fees and charges apply to the linked account. Please consider the PDS available from IMB in relation to IMB… |
§ 03 — Features
Extra repaymentsInstant paymentsPayIDDigital bankingFraud protectionApple Pay.Google Pay.Samsung Pay.Garmin Pay.
- · Direct debit is available on this account type.
- · Direct Credit is available on this account type.
- · Schedule Electronic Funds Transfers or Periodic Payments via internet banking, in branch or telephone banking
- · Make and receive Electronic Funds Transfers (EFT) from this account type.
- · Do your day to day banking with your IMB transaction account at Australia Post Offices where Bank@Post is available.
- · IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
- · IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm
- · As of 1 June 2021, IMB will not offer a cheque facility to customers that become Members on or after that date, or to existing Members who have not been issued a cheque facility before that date
- · PayTo is available on this account type.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Amount $500 to $20,000
- · Lending criteria, terms and conditions apply
- · Personal Credit Line must be linked to an IMB deposit account. Please consider the PDS available from IMB before making a decision about this product
- · You must have a good credit history and a monthly income.
§ 06 — Run the numbers
Put this product through a calculator
Published by IMB Bank under the Consumer Data Right, last changed by them on 22 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.