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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.

Calculate your repayments

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.

Overview

Minimum loan amount$1,000

Maximum loan amount$75,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)10.99%

Personal loan comparison rate11.21%

Monthly repayments (approx)$332

Total repayments (approx)$11,961

Total interest repayments (approx)$1,961

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO QBANK

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$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone13 77 28

Data accurate as of19/12/2018

GO TO QBANK

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Our competitive interest rates and easy payment options can help make your dream a reality.

Overview

Minimum loan amount$1,000

Maximum loan amount$75,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)12.49%

Personal loan comparison rate12.71%

Monthly repayments (approx)$339

Total repayments (approx)$12,222

Total interest repayments (approx)$2,222

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO QBANK

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$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone13 77 28

Data accurate as of19/12/2018

GO TO QBANK

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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?

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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