RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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Example Interest Rates: Home Loan Variable: 5.20% (5.24%*) • Home Loan Fixed: 5.48% (6.24%*) • Fixed: 5.48% (6.24%*) • Variable: 5.20% (5.24%*) • Investment IO: 5.78% (6.81%*) • Investment PI: 5.49% (6.32%*)

  Secured Personal Loan

New Car? Dream holiday? Getting married? Take your dreams off hold with an IMB Secured Personal Loan. No monthly fees, flexible terms of 1 - 7 years and borrow up to $75,000.
Category: Personal Loans  Last Updated March 19, 2024  Effective May 3, 2024

 General Lending Rates

Rates listed below are for a FIXED P&I product. Additional Information This comparison rate is based on a loan amount of $30,000 and a term of 5 years.
Interest Rate
6.84% PA
Comparison Rate
7.19%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

  • Digital Banking Additional Information: Internet Banking and Mobile Banking App.
  • Notifications Additional Information: IMB Alerts keep you up to date by sending you SMS or email alerts regarding your banking. Account Alerts help you keep track of your finances and Internet Banking Security Alerts to help keep you safe online. You can register for Alerts in Internet Banking.
  • Other Additional Information: Direct Credit is available on this account type.
  • Other Additional Information: Receive Electronic Funds Transfers (EFT) to this account type.
  • Other Additional Information: IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
  • Other Additional Information: IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm
  • Other Additional Information: Receive only
  • Extra Repayments Additional Information: Unrestricted additional repayments

 Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Residency Status - Borrowers Must Be Australian Citizens Or Permanent Residents..
  • Other - Lending Criteria Apply .
  • Other - Secured Personal Loans Must Be Secured With Either A New Or Used Vehicle (up To 6 Years Of Age).

 Bank Fees and Charges

  • Loan Application Fee (Upfront), Amount: 250.00.
  • Personal Property Securities Register Fee (Event), Amount: 24.78. Additional Information: Payable to IMB for the initial PPSR enquiry and the registration of the encumbrance of the PPS files.

 Limitations & Restrictions (Constraints)

  • Min Limit of 2000
  • Max Limit of 75000

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