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Important disclosure

NRMA Personal Loans

The NRMA isn’t just a poster organisation for roadside assistance and car insurance. It can also solve some of your extra cash problems with a personal loan for anything from elective surgery to a wedding or a home makeover.
If you want to learn more or apply for an NRMA personal loan, BestFind’s comparison table and calculator below can give you the bigger picture.

Calculate repayments

There's nothing quite like the thrill of buying a car, but one of the biggest challenges is finance. Ideally you'll want a car loan that offers flexibility and a low competitive rate, and is easy to apply for.

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term (years)1 year

Maximum term (years)7 years

Personal loan interest rates (base)5.69%

Personal loan comparison rate6.39%

Monthly repayments (approx)$314

Total repayments (approx)$11,336

Total interest repayments (approx)$1,336

Rate typeFixed

Secured or unsecuredSecured

Encumberance/REVVS check fee$8

Application / establishment fee$399

GO TO NRMA

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly, Monthly

Early repayments allowedYes

Early repayments fee$205 or 2% of outstanding balance (whichever the greater) at the time the final payout is made. Applies in the first three quarters of the original loan term only.

Missed payment fee$0

For debt consolidation?No

Sponsored Yes

Telephone1300 732 398

Data accurate as of21/09/2020

GO TO NRMA

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NRMA used car loans can help you get one step closer to owning your dream pre-loved car.

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term (years)1 year

Maximum term (years)7 years

Personal loan interest rates (base)6.99%

Personal loan comparison rate7.70%

Monthly repayments (approx)$321

Total repayments (approx)$11,557

Total interest repayments (approx)$1,557

Rate typeFixed

Secured or unsecuredSecured

Encumberance/REVVS check fee$8

Application / establishment fee$399

GO TO NRMA

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly, Monthly

Early repayments allowedYes

Early repayments fee$205 or 2% of outstanding balance (whichever the greater) at the time the final payout is made. Applies in the first three quarters of the original loan term only.

Missed payment fee$0

For debt consolidation?No

Sponsored Yes

Telephone1300 732 398

Data accurate as of21/09/2020

GO TO NRMA

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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. The 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$0

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)5.45%

Personal loan comparison rate6.07%

Monthly repayments (approx)$309

Total repayments (approx)$11,134

Total interest repayments (approx)$1,134

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 of30/06/2021

GO TO OurMoneyMarket

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Money can be available in your bank account in as little as 60 minutes. Easy online application with low rates, fast approvals, and no early exit fees. Thousands of 5-star customer reviews.

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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Consolidate your credit cards and other loans into one low monthly repayment with OneDebt. Low rates with approvals typically within 60 minutes. Flexible repayments with no early exit fees. Backed by thousands of 5-star reviews. Must be employed with decent credit history.

Overview

Minimum loan amount$15,001

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 OneDebt

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

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 of29/09/2021

GO TO OneDebt

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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.

What type of loan are you looking for?

NRMA personal loans – Get funds and get your goals going

Before we dive into the subject of NRMA personal loans, here’s some quick background info on the credit provider.

The NRMA (The National Roads and Motorists’ Association) is Australia’s largest member organisation. It’s been gaining momentum since 1920 and currently offers a broad range of financial products and services for motoring, travel, and lifestyle purposes.

According to the NRMA, the organisation’s goal is to keep Aussies moving. Even its personal loans are designed to help your plans move along quickly, whether you wish to renovate your home, pay for a cosmetic surgery procedure, or something else. Below, you’ll find all you need to know about NRMA personal loans, so you can compare your options, choose the best one, and get your goals back on track.

NRMA personal loans at a glance

  • Loan amount: Minimum amount of $5,000
  • Loan term: Up to 7 years
  • Interest rate type: Fixed interest rates.
  • Security: Only secured loans are available.
  • Uses: Suitable for any legitimate purpose such as a wedding and home improvements. If you wish to buy a car or other motor vehicle, check out the full details for NRMA car loans.
  • Best for: Members and non-members looking for a competitively priced personal loan and who don’t mind offering an asset as security.

Pros

  • NRMA personal loans don’t have monthly fees, which lowers your borrowing costs.
  • You can make extra repayments at any time. That means it’s possible to wipe out your debt at an earlier date to save on interest and other ongoing costs.
  • You can apply for a joint loan if you want to strengthen your application.
  • If you’re a member, there are discounts and benefits on offer.

Cons

  • You have to borrow at least $5,000
  • There’s no redraw facility
  • The NRMA does not offer unsecured personal loans
  • You’ll have to pay an upfront fee

NRMA personal loan features

  • Fixed interest rate. The NRMA personal loan rates are fixed, which means your repayments cost the same amount over the loan’s life. You are not affected by rate fluctuations, so you can easily budget for future repayments.
  • Fees and charges. The NRMA charges an establishment fee but no monthly service fees. Please note, other fees and charges, such as early repayment fees, may also apply.
  • Repayment frequency. You can choose between monthly or fortnightly repayments, depending on when your income comes in. BestFind’s NRMA personal loan calculator can help you estimate your repayments so you can find a flexible repayment option.
  • Credit protection insurance. The NRMA also offers Credit Protection Insurance, which covers your loan repayments if you become ill, lose your job, or are in an accident.

Apply for a personal loan from NRMA

If you decide to apply for NRMA personal loans, click the “Go to Site” button in the table above. Next, fill in the online application form and provide any required documents. According to the NRMA, you can get funds on the next working day once you complete the paperwork. Keep in mind, you’ll have to meet the following basic eligibility requirements:

  • Be at least 18 years of age
  • Be an Australian citizen or permanent resident
  • Apply for a loan of at least $5,000
  • Provide a valid Australian driver’s licence
  • Provide personal and financial details

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