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Bendigo Bank Personal Loans

Bendigo Bank offers an impressive range of personal loans of the secured and unsecured variety. Compare Bendigo Bank personal loans and estimate your repayments below – you can be sure to find something that works for your plans and budget.

Compare Bendigo Bank Personal Loans

A Green Personal Loan rewards you for your environmentally friendly purchases. With a secured personal loan option, suitable for ‘A' rated vehicles emitting less than 130g of CO2 per kilometre or an unsecured personal loan for solar, hot water, grey water treatment systems or top energy saving white goods.

Overview

Minimum loan amount$2,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)6.79%

Personal loan comparison rate7.21%

Monthly repayments (approx)$312

Total repayments (approx)$11,247

Total interest repayments (approx)$1,247

Rate typeFixed

Secured or unsecuredSecured

Encumberance/REVVS check fee$16

Application / establishment fee$150

GO TO Bendigo Bank

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$20

Missed payment fee$30

For debt consolidation?No

Sponsored No

Telephone1300 236 344

Data accurate as of6/11/2018

GO TO Bendigo Bank

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Perfect for buying a new or used vehicle, or to refinance an existing car loan.

Overview

Minimum loan amount$2,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)7.79%

Personal loan comparison rate8.64%

Monthly repayments (approx)$317

Total repayments (approx)$11,420

Total interest repayments (approx)$1,420

Rate typeFixed

Secured or unsecuredSecured

Encumberance/REVVS check fee$16

Application / establishment fee$150

GO TO Bendigo Bank

Other Fees & Information

Monthly fee$5

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$20

Missed payment fee$30

For debt consolidation?Yes

Sponsored No

Telephone1300 236 344

Data accurate as of6/11/2018

GO TO Bendigo Bank

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A Green Personal Loan rewards you for your environmentally friendly purchases. With a secured personal loan option, suitable for ‘A' rated vehicles emitting less than 130g of CO2 per kilometre or an unsecured personal loan for solar, hot water, grey water treatment systems or top energy saving white goods.

Overview

Minimum loan amount$2,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)11.79%

Personal loan comparison rate12.84%

Monthly repayments (approx)$336

Total repayments (approx)$12,099

Total interest repayments (approx)$2,099

Rate typeFixed

Secured or unsecuredSecured

Encumberance/REVVS check fee$16

Application / establishment fee$150

GO TO Bendigo Bank

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$20

Missed payment fee$30

For debt consolidation?No

Sponsored No

Telephone1300 236 344

Data accurate as of6/11/2018

GO TO Bendigo Bank

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Perfect for your dream holiday or any number of needs where you don't offer security.

Overview

Minimum loan amount$2,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)12.79%

Personal loan comparison rate14.89%

Monthly repayments (approx)$341

Total repayments (approx)$12,281

Total interest repayments (approx)$2,281

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO Bendigo Bank

Other Fees & Information

Monthly fee$5

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$20

Missed payment fee$30

For debt consolidation?Yes

Sponsored No

Telephone1300 236 344

Data accurate as of6/11/2018

GO TO Bendigo Bank

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Pay ZERO fees^ on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What’s more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. ^Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan. Comparison rate can vary from 5.95% to 17.95%

Overview

Minimum loan amount$8,000

Maximum loan amount$50,000

Minimum term (years)1.5 years

Maximum term (years)7 Years

Personal loan interest rates (base)5.95%

Personal loan comparison rate5.95%

Monthly repayments (approx)$303

Total repayments (approx)$10,943

Total interest repayments (approx)$943

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$0

GO TO Now Finance

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of23/02/2021

GO TO Now Finance

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OurMoneyMarket offer competitive low rates on loans up to $50,000, plus free extra repayments and fee-free redraw facility.

Overview

Minimum loan amount$2,001

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)7 Years

Personal loan interest rates (base)6.29%

Personal loan comparison rate6.54%

Monthly repayments (approx)$313

Total repayments (approx)$11,274

Total interest repayments (approx)$1,274

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$250

GO TO OurMoneyMarket

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored Yes

Telephone1300 990 115

Data accurate as of30/04/2021

GO TO OurMoneyMarket

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Fast and easy online application. Money can be in your account same-day. Flexible repayments with no early exit fees. Comparison interest rates from 7.64% to 13.32% p.a.

Overview

Minimum loan amount$2,100

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)5 years

Personal loan interest rates (base)6.25%

Personal loan comparison rate7.64%

Monthly repayments (approx)$320

Total repayments (approx)$11,547

Total interest repayments (approx)$1,547

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$495

GO TO MoneyMe

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly/Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored Yes

Telephone1300 329 037

Data accurate as of03.03.2021

GO TO MoneyMe

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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

Need help choosing the right loan?

Get a multi award-winning personal loans broker, to help select the right loan for you.

Australia-wide personal loans completed online or via the telephone (no need for any face-to-face meetings).

Monday to Friday, 9am – 6pm AESTs

An account manager will contact you within 3 hours of your enquiry.

Call 1300 884 355
What type of loan are you looking for?

Bendigo Bank personal loans – Pick & choose from many options

Bendigo Bank is part of the Bendigo and Adelaide Bank Group, which dates back more than 160 years. The story starts off with two building societies, Bendigo in Victoria and Adelaide in South Australia. Today, after a 2007 merger, their combined strengths have yielded some impressive results: 1,9 million Aussie customers in over 500 locations and more than 7,000 employees.

Besides financial products like credit cards and home loans, Bendigo Bank also offers a wide range of personal loans that you can sign up for online in under 20 minutes. Here’s what you need to know about Bendigo Bank personal loans before applying.

Types of loans offered by Bendigo Bank

Bendigo and Adelaide Bank offers the following types of secured and unsecured personal loans at the time of writing:

  • Secured personal loan. You can borrow to buy a new or used car or refinance an existing car loan at a rate of 7.79%.
  • Unsecured personal loan. This is a versatile option suitable for weddings, holidays, and other things. You get a rate of 12.79%.
  • Secured student personal loan. Higher education students and apprentices can finance their new or used ride or refinance an existing car loan at a low rate of 6.79%.
  • Unsecured student personal loan. Also designed for higher education students and apprentices, this option comes with a rate of 9.99%. It can be used to cover many needs, such as holidays and study expenses.
  • Secured green personal loan. For borrowers planning to hit the road while going green, Bendigo Bank offers a rate of 6.79%. You must be purchasing an “A” rated vehicle that emits less than 130g of CO2 per km.
  • Unsecured green personal loan. Bendigo Bank says this product is suitable for environmentally friendly products such as solar power systems, solar hot water, and energy saving white goods. The rate is set at 11.79%.

If you’re interested in financing your car purchase with Bendigo Bank you can find more details about the process in our Bendigo Bank car loan guide.

A closer look at Bendigo Bank personal loan features

  • Bendigo Bank only offers fixed rates for all their products. That means your repayments are also fixed, which allows you to budget for future instalments without the threat of interest rate rises.
  • You can make weekly, fortnightly, and monthly repayments, depending on your income flow. Our Bendigo Bank personal loan calculator is available if you wish to estimate your monthly repayments.
  • Loan terms range from 1-7 years, while loan amounts start from $2,000.
  • There’s no limit on additional repayments for borrowers looking to clear their debt ahead of schedule. Additionally, you can use the redraw facility to get back your extra repayments at any time.

Fees and charges

Lending fees may include the following:

  • Application fee -$150
  • Monthly service fee – $5
  • Early repayment fees – $20
  • Default fee – $35

Please note that while there’s no redraw fee or fixed break costs, other charges like document and security processing fees may also apply.

Pros

  • Simple online application. When you choose the product you want, completing the form only takes between 10 and 20 minutes.
  • Quick response. Once you submit your application, you get a response within 48 hours.
  • Flexible options. You can choose a repayment frequency that suits you, make unlimited extra repayments, use a redraw facility, or opt for unsecured or secured credit, plus more.

Cons

  • Rates are not as competitive. Compared with what other lenders offer, Bendigo Bank personal loan rates are not the lowest.
  • There are fees attached. Paying more fees means your loan will cost more.

How to qualify

Applying for a personal loan from Bendigo Bank requires the following:

  • Be at least 18 years of age.
  • Be an Australian citizen or permanent resident.
  • Have a regular income
  • You must not be bankrupt or facing financial hardship.
  • You must plan to use the money for personal use only.

Applying for a Bendigo and Adelaide Bank personal loan

Make sure you have the following ready before starting your online application:

  • Personal identification such as a driver’s licence or passport
  • Details about your income, employment, assets, living expenses, and debts

When you’re ready, click “Go to Site” in the table above. Once you hand in your application, Bendigo Bank will be in touch as soon as possible.

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