Important disclosure

QBANK Personal Loans

QBANK is a member-owned bank for Queenslanders, particularly employees and families of the police, fire, health, public service, and justice sectors. If you’re a part of this unique community, compare QBANK personal loans, calculate repayments, and apply now to enjoy an exclusive financial product tailored to your lifestyle.

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3 months


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From weddings and holidays, to renovations and bundling up debts, a QBANK personal loan is there for the moments that matter. With a low interest rate, no penalties for early or extra repayments, free online redraw and no ongoing fees, choose a loan that has your back.

All Purpose Loan

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Our competitive interest rates and easy payment options can help make your dream a reality. provides factual information in relation to financial products. While attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see's Terms of Use and Services Guide.

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.

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QBANK personal loans – Finance for those who serve & protect

QBANK was set up in 1964 to serve members of the community working for the greater good. This financial services provider is member-owned and currently provides several award-winning products. In this guide, we explore QBANK personal loans and how you can benefit from this dedicated product.

Facts about QBANK personal loans

  • Borrow between $5,000 and $100,000
  • Loan terms of 1-7 years
  • Variable interest rate
  • Apply individually or jointly
  • Suitable for all worthwhile purposes including debt consolidation
  • Loan top-ups not available

Types of QBANK personal loans

  • All purpose personal loan & Debt consolidation (Unsecured): You can get credit to cover weddings, holidays, renovations, as well as debt consolidation. Minimum loan amount starts from $1,000 up to $75,000, so it’s suitable for both big and small purchases. At the time of writing, the interest rate for this type of loan stands at 12.49% p.a while the comparison rate is 13.11% p.a.
  • Special all purpose personal loan (Unsecured): This option is available for new lending. It requires a monthly salary credit of at least $1,500. The amount must be deposited into your QBANK transaction account. In return, you get a low rate of 10.49% p.a. and a comparison rate of 11.11% p.a. However, the offer does not include debt consolidation.
  • Secured new car loan (up to 5 years old): This is a new lending special offer with a discount rate of 5.99% p.a. and a comparison rate of 6.62% p.a. To qualify, your QBANK transaction account must receive a monthly salary credit of at least $1,500. You can borrow between $5,000 and $100,000 over a maximum of 7 years. You can also get 20% off your car insurance policy if you apply via QBANK.
  • Secured car loan (up to 10 years old): You can borrow between $1,000 and $100,000. The interest rate is 7.99% p.a. while the comparison rate is 8.61% p.a.

Please note that discounts and special offers from QBANK may be limited. The bank reserves the right to withdraw them at any time. Access our QBANK car loans page for more information. Other product offers from QBANK include credit cards, home loans, and savings accounts.

Features of QBANK personal loans explained

  • Variable interest rates. Your rate may fluctuate, so your repayments could increase or decrease throughout your term.
  • Repayment frequency. You can make repayments monthly, fortnightly, or weekly to suit your schedule.
  • Extra repayments. You can also make additional repayments on top of your minimum repayments if you want an early exit.
  • Free online redraw facility. Extra repayments are available for withdrawal whenever you need the money back.
  • Fees and charges. QBANK charges a loan funding fee of $195, a monthly fee of $5, as well as a late payment fee of $8. There’s no penalty for extra repayments or early repayments.

How to apply for a personal loan from QBANK

QBANK only has three branches, and all are available in Brisbane. However, you can apply online or by phone without having to visit. To apply for a QBANK personal loan online, click “Go to Site” in the table above. But first, check if you’re eligible:

  • You must fit the joining criteria for QBANK
  • Be at least 18 years old
  • Earn over $20,000

It also helps if you have the following ready to go:

  • Driver’s licence;
  • Details about your income, assets, living expenses, and other debts;
  • Details of the second borrower (if you’re making a joint application); and
  • Employment and residential history for the last two years.

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