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Personal loans

Take your next big step with us

Excited about making your next big move? We are too!

Whether you want to nab a new set of wheels, make some changes to the home, or take a trip around the world, our personal loans are here to help. With fixed low rates and flexible repayment terms, we have a loan to fit your needs and budget.

Personal loans

8.49% p.a.

personal loans from

8.70% p.a.+

comparison rate

Dig into the details

Want to know more about our everyday products? Our team is always up for a chat – on the phone or in one of our branches.

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Why pick our personal loan?

Our personal loans can flex to your needs. Whether you need to consolidate debt, pay for a major purchase, or cover unexpected expenses, we’ve got you covered.

Flexible repayments

We’ll make repayments work for you – weekly, fortnightly or monthly options.

Low fees

We’ve canned monthly fees and charges for early termination.

Free online redraw

We’re giving you the flexibility to access extra repayments at no charge.

Features that make sense

With fixed low interest, free online redraw and flexible repayments, our personal loans are designed to set you up for success, no matter what comes next.

Browse features

Personal loans

$0 monthly fee
$0 early termination fee
Fixed interest rate
Interest calculated daily, charged monthly
Weekly, fortnightly or monthly repayments
Unlimited free online redraw facility
1-5 year loan term
Secured or unsecured options
$2,000 minimum loan amount

Low rates, low stress

Hume Value credit card

Skip the stress with our most popular credit card.

The low-down on our rates

Product Annual percentage rateComparison rate (p.a.)
Secured personal loan++8.49% 8.70%+
Unsecured personal loan12.49% 12.71%+

Get the ball rolling

Being owned by you means meeting our customers wherever they’re at. And that means having lots of ways for you to get a personal loan with us – online, in person, or on the phone1.

Reach out online

It’s easy to open an account online – and should take just 5 minutes!

Apply online

Drop by a branch

To learn more or apply, simply visit your nearest Hume Bank branch.

Find a branch

Give us a bell

8am to 5:45pm on weekdays and 9:30am to 12pm on Saturdays.

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Let’s figure it out

The best decisions are informed decisions. Understand how our personal loans could help you manage debt, finance your dreams, or get you to the next big thing with our handy calculators and helpful guides.

Personal loan repayments

Get on top of your debt

Interest rates & changes

Personal loan FAQs

Frequently asked questions

Understand your accounts

Answers to all your burning questions about Hume Bank accounts.

Payments & transfers

Everything you need to know about making payments and transfers.

Managing your card

A quick guide on activating, using and replacing your card.

Forms & documents

Find the forms and documents you’ve been looking for, all in one place.

Ways to pay

Discover all the different ways you can pay online and offline.

Online banking

Figure out how to manage your money, no matter when or where you are.

Simple solutions for everyday banking

There’s no getting around it – banking is part of life. But that doesn’t mean it has to be hard! We’ve put together a collection of resources to help you make the most of your finances, no matter where you are in life.

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Things you should know

Rates, fees and charges and other information correct as at 21 August 2023 and may change without notice.

Terms, conditions, fees, charges and lending criteria apply.

Please read the Product Disclosure Statement and Fees & Charges and consider whether this product is right for you. Also available in branch or at 1300 004 863.

To view the Target Market Determination for this product, go to Target Market Determinations.

+ Comparison rate based on a secured personal loan of $30,000 over 5 years. 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.

++ Hume Bank’s Secured Personal Loan can be secured by all registered vehicles aged 10 years and under or a term deposit. Vehicles over 5 years old will receive Hume Bank’s Unsecured PL Rate. Loans exceeding a 5 year term will be subject to a negotiated interest rate and comparison rate. All rates quoted are for secured loans apart from Hume Bank’s ’Unsecured Personal Loan’ which is based on monthly repayments.

Download a copy of the Personal loan and credit cards rates.

1 To apply for a Hume Bank personal loan you must be 18 years of age or older and a permanent resident/citizen of Australia.

You might also want to consider a Hume Bank credit card as an option to financing your needs. When choosing either a personal loan or a credit card, consideration needs to be given to the amount of credit you require as well as the features of both types of products, including the interest rates, fees and charges and the purpose for which credit is sought.

When choosing either a personal loan or a credit card, consideration needs to be given to the features of both types of products, including the interest rates, fees and charges and the purpose for which credit is sought. Please read the General Conditions – Loans & Overdraft Facilities for a detailed description of benefits available.