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Qudos Bank Personal Loans

When it comes to customer-owned financial institutions, Qudos Bank is one of Australia’s top picks. Compare Qudos Bank personal loans today and estimate your repayments to decide which option suits you.

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Got big plans? Our Unsecured Personal Loan can help you make those plans a reality.

Overview

Minimum loan amount$5,000

Maximum loan amount$25,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)11.64%

Personal loan comparison rate12.69%

Monthly repayments (approx)$335

Total repayments (approx)$12,073

Total interest repayments (approx)$2,073

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO Qudos Bank

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone1300 747 747

Data accurate as of19/12/2018

GO TO Qudos 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. 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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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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BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au 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 BestFind.com.au 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 BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au'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.

What type of loan are you looking for?

Qudos Bank personal loans – Enjoy more financial freedom

In 1959, Qudos Bank first showed up on the map as Qantas Credit Union. Over the years, Qudos Bank has grown into one of Australia’s largest customer-owned banks. As a mutual bank, Qudos Bank is one of those financial institutions that put profits back into making better products and services for members (in other words, the bank doesn’t cater to profit-hungry shareholders).

When you apply for and receive a Qudos Bank personal loan, you also become part-owner. Read on to find out what else this product offers.

Qudos Bank personal loans at a glance

  • Loan amounts – $5K-$25K
  • Loan terms – Up to 7 years
  • Interest rate – 10.74% pa
  • Interest rate type – Variable
  • Pros – Suitable for many uses such as a used car, holiday, and home renovation. You can also make early repayments without penalty.
  • Cons – Limited loan amounts: For comparison, some Aussie lenders offer between $2K and $50K for unsecured personal loans, while Qudos Bank offers between $5K and $25K.
  • Best for – Borrowers who are specifically looking for an unsecured personal loan with a variable rate since this is the only personal loan option available.

Qudos Bank unsecured personal loan

This option lets you borrow at least $5,000 up to $25,000 without providing security. You get a variable rate, so your repayments may fluctuate throughout the loan term, which can last as long as 7 years.

You’ll be able to choose from weekly, fortnightly, or monthly repayment options. In terms of fees and charges, you pay a $150 establishment fee. The good thing is, there’s no monthly account-keeping fee.

What other products does Qudos Bank offer?

If you feel like a Qudos personal loan doesn’t quite suit you, here are more options to explore:

  • Car loans. You can purchase a new car, caravan, boat, or motorcycle less than 5 years old with this option. Borrowing limits are a lot more flexible since you can get up to $150,000 with a minimum loan amount of $10,000. One of the car loan options also comes with Qantas Points and a complimentary Qantas Frequent Flyer membership. If this sounds like the product you’re after, read about Qudos Bank car loans for more details.
  • Unsecured personal overdraft. This is a line of credit designed for everyday use. It comes with a variable rate, loan limits of between $500 and $20,000 as well as a $150 establishment fee. You can make early repayments. Weekly, fortnightly, or monthly repayment options are also available. Additionally, you only pay interest for the amount you take out. You can access the money 24/7 via ATM, EFTPOS, or VISA purchase.

Application requirements

Before applying for a Qudos Bank personal loan, make sure you qualify:

  • Be at least 18 years of age
  • Be an Australian citizen or permanent Australian resident
  • Have a regular income or paid employment
  • Must not have been bankrupt

Also, make sure you have the following information on hand:

  • Income details – employment and other income such as shares and rental properties.
  • Assets – estimates of the value of your property, vehicles, savings, and super.
  • Liabilities – balances, repayment amounts, and other relevant details.

If you wish to apply as a first-time customer, you’ll need to complete an ID check, so you may need your driver’s licence, Medicare Card, or passport.

How to apply online

To start your online application, use BestFind’s comparison table above. It’s all a matter of clicking the “Go to Site” button of your choice. Don’t forget to estimate your repayments using our Qudos Bank personal loan calculator. If you’re looking for more options, browse the options available on BestFind to narrow down the best personal loan for your budget and needs.

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