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The Mutual Personal Loans

Be it a new car, a home renovation, or something else, The Mutual Bank can bring your dream to life. Scroll down to compare The Mutual personal loans, estimate repayments, and take your best pick.

Calculate your repayments

Talk to The Mutual for a competitive interest rate on car and personal loans.

Overview

Minimum loan amount$5,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)8.49%

Personal loan comparison rate9.16%

Monthly repayments (approx)$321

Total repayments (approx)$11,589

Total interest repayments (approx)$1,589

Rate typeFixed

Secured or unsecuredSecured

Encumberance/REVVS check fee$0

Application / establishment fee$200

GO TO The Mutual

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$18

For debt consolidation?Yes

Sponsored No

Telephone1300 688 825

Data accurate as of14/12/2018

GO TO The Mutual

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Dreaming of a holiday, home renovations or any other worthwhile purpose? The Mutual could help make turn your dreams into a reality.

Overview

Minimum loan amount$5,000

Maximum loan amount$20,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Personal loan interest rates (base)12.75%

Personal loan comparison rate13.42%

Monthly repayments (approx)$342

Total repayments (approx)$12,328

Total interest repayments (approx)$2,328

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$200

GO TO The Mutual

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$18

For debt consolidation?Yes

Sponsored No

Telephone1300 688 825

Data accurate as of14/12/2018

GO TO The Mutual

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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?

The Mutual personal loans – Borrow for all sorts of purposes

The Mutual Bank offers financial services – including personal loans – to Aussies within the Maitland, Newcastle, and Hunter communities. It’s been around since 1888, and despite history’s ups and downs and a few name changes, the bank has stuck to its original mission of investing local money for the benefit of members and the local community. BestFind reviews The Mutual personal loans so you can make an easy decision on whether to borrow from this lender.

The Mutual Bank snapshot

  • Loan amounts. Up to $100,000
  • Loan terms. Up to 7 years
  • Interest rate charges. Calculated daily, charged monthly.
  • Uses. Buying a new car or a caravan, renovating your home, going on holiday, plus more.
  • Pros. The Mutual Bank assists members undergoing financial hardship due to an accident, illness, or any other reason, so you can contact the bank representatives if you’re having any problems with your repayments.
  • Cons. There are only a few branches available.

Personal loan options offered by The Mutual Bank

Here’s a breakdown of the loan products offered by the Mutual Bank:

  • Unsecured personal loans. This option lets you borrow between $5,000 and $20,000. Since the loan isn’t secured, the interest rate starts from 12.75%, which is higher than the 8.49% charged for secured loans. Loan terms are also limited to a maximum of 5 years.
  • Secured personal loans. The funds you borrow are secured by your residential property or a Term Deposit. While it means you can lose either of these if you default, it allows you to get a lower rate. Additionally, you can borrow up to $100,000 over a more flexible loan term of up to 7 years.
  • Secured car loans. The Mutual car loans allow you to buy both new and used cars. Borrowing limits are between $5,000 and $50,000.

Features of The Mutual personal loans

  • Fixed interest rates. A fixed rate means you also have set repayments and peace of mind from knowing you won’t pay more when rates rise.
  • Repayment options. You have three payment frequencies to choose from: Monthly, fortnightly, as well as weekly. Therefore, you can tailor your loan repayments to your income flow. If you want to find the perfect monthly repayment for your budget, you can find The Mutual personal loan calculator at the top of this page.
  • Fees and charges. There are no monthly or annual fees. The Mutual Bank also doesn’t charge you for making early repayments. However, there’s an upfront application fee, and other fees may apply, so make sure to read the fine print.

How to apply for the Mutual personal loans

If you’re interested in one of The Mutual personal loans, click “Go to Site” for that loan in the table above. Once you reach the application page, proceed to fill in your details and supply any required documents. Keep in mind that to qualify, you have to be a member of The Mutual and an Australian permanent resident who’s at least 18 years old.

More about The Mutual Bank

The Mutual Bank also offers home loans, credit cards, business loans, and everyday banking services. Because it’s a member-owned bank, The Mutual states that its main focus is on providing better rates, personalised services, and a mutually supportive fee structure to members.

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