Product Library

Personal Loan - Secured

Category: Personal Loans Last Updated April 8, 2026 Effective April 29, 2026

General Lending Rates

Rates listed below are for a FIXED P&I product. Additional Information

Interest Rate
7.79% PA

Comparison Rate
8.04%PA*

Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Features

Redraw

Product Eligibility

Min Age - 18. Additional Information: 18 years and over

Residency Status - Permanant Residency Is Required.

Natural Person

Other Additional Information: Terms, conditions, lending eligibility and approval criteria apply.

Bank Fees and Charges

Personal Loan Establishment Fee (Upfront), Amount: 150.00.

Loan Default Fee (Event), Amount: 10.00.

Loan Default Fee- Final Notice (Event), Amount: 25.00.

Loan Default Fee- Second Reminder Letter (Event), Amount: 15.00.

Goods Security Agreement Preparation Fee (Event), Amount: 30.00. Additional Information: charged if a Goods Security Agreement is required as security (e.g. over a vehicle)

Valuation Fee (Variable), Amount: Not Listed.. Additional Information: Valuation fee payable by member at cost

Registration Of Mortgage Fee (Variable), Amount: Not Listed.. Additional Information: Registration of mortgage payable by member at cost

Mortgage Preparation Fee (Variable), Amount: Not Listed.. Additional Information: Mortgage documents prepared by solicitor payable by member at cost

Gmcu Title Search Fee (Event), Amount: 25.30.

Loan Redraw Fee Other (Event), Amount: 25.00.

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