IMB BankSecured Personal Loan
New Car? Dream holiday? Getting married? Take your dreams off hold with an IMB Secured Personal Loan. No monthly fees, flexible terms of 1 - 7 years and borrow up to $75,000.
At a glance
- Fixed
- 6.99%7.34% comparison
- Loan size
- $2,000 to $75,000
- Upfront fee
- $250
How it compares
This personal loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 6.99% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | 14th lowest of 68, level with 3 others |
| Fixed personal loanRepayments stay the same for the term | 6.99% | 5.80%Plenti Personal Loan | 7.96%of 42 institutions | 11th lowest of 42, level with 3 others |
Rates
The one rate IMB Bank publishes for this personal loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedThis comparison rate is based on a loan amount of $30,000 and a term of 5 years. | P&I | - | - | 6.99% | 7.34% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 2 Oct 2026 | Fixed, P&I | 7.24% | 6.99% | down 0.25 |
Each change is logged the night it appears in the rates IMB Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
2 fees published, grouped by when they're charged.
When you take it out2
- Loan Application Fee$250
- Personal Property Securities Register fee
Payable to IMB for the initial PPSR enquiry and the registration of the encumbrance of the PPS files.
$24.78
Features
- Direct Credit is available on this account type.
- Receive Electronic Funds Transfers (EFT) to this account type.
- 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
- Receive only
- IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.
Eligibility and limits
- Minimum age 18
- Residency: Borrowers must be Australian Citizens or permanent residents.
- Available to individuals
- Amount $2,000 to $75,000
- Lending Criteria apply
- Secured Personal Loans must be secured with either a new or used vehicle (up to 6 years of age)
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Published by IMB Bank under the Consumer Data Right, last changed by them on 2 Oct 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.