A flexible loan that can be used for holidays, renovations, debt consolidation or a new toy to play with.
Category: Personal Loans Last Updated July 31, 2023 Effective May 3, 2024
General Lending Rates
Rates listed below are for a FIXED product. Additional Information Fixed term 1 to 7 years. Interest rates are on a per annum basis. Rates and discounts are correct as stated and subject to change without notice.Comparison rate is calculated on loans as follows: Standard Personal Loan - Fixed comparison rate is based on a loan of $30,000 borrowed for 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Interest Rate 8.99% PA
Comparison Rate 9.35%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
RedrawAdditional Information: Online Redraw Available
OtherAdditional Information: Ability to make additional or lump sum payments
OtherAdditional Information: Unsecured Only
OtherAdditional Information: No Penalty for paying out early
OtherAdditional Information: SMS services
OtherAdditional Information: Electronic or paper statements available
Loyalty Program
OtherAdditional Information: Loan term of up to 7 years
Heritage Cheque Fee (Withdrawal), Amount: 10.00. Additional Information: Heritage Cheque fee payable to Heritage if credit under this Credit Contract is provided by a cheque drawn by heritage on itself
Special Request Transaction Listing Fee (Event), Amount: 7.50. Additional Information: Whenever a listing of transactions between two given dates is issued on your account
Direct Debit Dishonour Fee (Transaction), Amount: 10.00.
Capital Reduction Recalculation Fee (Event), Amount: 75.00. Additional Information: If you ask Heritage to capitalise payments in advance or payment or proposed payment under the credit contract
Document/record Search Fee (Event), Amount: 12.00. Additional Information: Whenever Heritage provides a copy of a document relating to your loan at your request or at the request of a security provider
Ppsr Search Fee (Upfront), Amount: 6.23. Additional Information: When Heritage carries out a PPSR search on a motor vehicle subject to a security
Limitations & Restrictions (Constraints)
Min Limit of 5000.00
Max Balance of 50000 Additional Information: Unsecured
