At a glance
- Fixed
- 8.27%
- Loan size
- $2,000 to no maximum
- Upfront fee
- $250
Rates
The one rate People First Bank publishes for this personal loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedAny worthwhile purpose | P&I | 7 yrs fixed | $2,000–$120,000 | 8.27% | - | - |
Fees
5 fees published, grouped by when they're charged.
When you take it out1
- Personal Loan Application Fee
Staff Benefit
$250
When particular things happen4
- Arrears Administration Fee 1
Payable if you fail to make repayments due under your credit contract and you do not pay an amount sufficient to clear all repayment arrears within 7 days of us notifying you that your account is in…
$25 - Arrears Administration Fee 2
Payable if you fail to make repayments due under your credit contract and your account remains in arrears for a period of 20 days or more.
$25 - Notice of Enforcement fee
Charged whenever an eforcement notice is issued in relation to a credit contract that is not secured by a mortgage over real property.
$25 - Preparation of Substitute Security
Staff Benefit
$75
Features
- Repayments are contracted monthly, however flexibility to pay monthly, fortnightly, or weekly.
- No penalties for additional repayments or early payout
- Fixed loan terms up to seven years.
- No monthly account keeping fees
- Staff have the option of using security or not at the same staff rate benefit
Eligibility and limits
- Minimum age 18
- Residency: Permanent residents of Australia who reside in Australia at the time of membership application are eligible for membership, regardless of citizenship status.
- Available to individuals
- Amount from $2,000, no maximum
- Terms, conditions, fees, charges and lending criteria apply and are available on application
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Published by People First and Heritage Bank under the Consumer Data Right, last changed by them on 30 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.