Benefits of our loans
Competitive interest rates
Get a tailored interest rate based on your personal circumstances.
Flexible loan terms
Choose a loan term that suits you.
Zero exit fees
No penalties or exit fees when you pay off your loan faster.
Choose a personal loan that's right for you
Compare our personal loan options to find one that’s suitable for your needs.
Unsecured personal loan
No physical assets required for an unsecured loan offering flexibility and certainty.
Variable rate personal loan
If you make extra repayments, you’ll have the flexibility to redraw them at any time.
| Interest rate | From 8.49% p.a to 20.49% p.a. |
|---|---|
| Comparison rate | From 9.88% p.a to 21.78% p.a. |
Features
Fees
- $0 Exit fee
- $0 Late payment fee
- $15 Monthly fee
- $250 Application fee
(One-off payment when loan is established)
Fixed rate personal loan
Lock in your interest rate and enjoy the certainty of fixed repayments for the life of your loan.
| Interest rate | From 8.49% p.a to 20.49% p.a. |
|---|---|
| Comparison rate | From 9.88% p.a to 21.78% p.a. |
Features
Fees
- $0 Exit fee
- $0 Late payment fee
- $15 Monthly fee
- $250 Application fee
(One-off payment when loan is established)
Compare personal loan rates and fees
We offer a range of rates on our personal loans. The interest rate you’re offered is based on your personal circumstances. We decide your rate based on:
- your banking history with NAB
- information you provide in your application, including income, assets, debts and expenses
- your credit history report including your credit score.
Find out more about credit-worthiness and how to improve your credit score.
After you submit your application, we’ll give you an indicative interest rate if you’re conditionally approved. This is subject to verification of the information you give us in your application.
Once we’ve verified your information, we’ll give you the loan documentation setting out your interest rate and other important information. Keep in mind that the rate shown in the loan documentation is subject to change and may be different on the day of settlement.
Secured car loan
Secured car loans are only available to existing NAB customers. Don't bank with NAB yet? You can still apply for an unsecured personal loan.
NAB Car Loan
We’ve partnered with Plenti, so you can get your rate quote on a secured loan in as little as one minute without impacting your credit score. Credit provided by NAB.
| Personalised fixed rate | From 6.99% p.a to 13.99% p.a. |
|---|---|
| Comparison rate | From 8.54% p.a to 15.48% p.a. |
Features
NAB Car Loan for all-electric and plug-in hybrid cars
We’ve partnered with Plenti, so you can enjoy discounts on a secured loan for all-electric and plug-in hybrid cars.
| Personalised fixed rate | From 6.49% p.a to 13.49% p.a. |
|---|---|
| Comparison rate | From 8.05% p.a to 14.99% p.a. |
Features
Compare personal loan rates and fees
We offer a range of rates on our secured and unsecured personal loans. The interest rate you are offered is based on your personal circumstances. We decide your rate based on: ·
- your banking history with NAB ·
- information you provide in your application, including income, assets, debts and expenses ·
- your credit history report including your credit score.
Find out more about credit-worthiness and how to improve your credit score.
After you submit your application, we’ll give you an indicative interest rate if you’re conditionally approved. This is subject to verification of the information you give us in your application.
Once we’ve verified your information, we’ll give you the loan documentation setting out your interest rate and other important information. Keep in mind that the rate shown in the loan documentation is subject to change and may be different on the day of settlement.
Other options to consider
Use our repayments calculator and get an insurance quote to better understand the full costs of buying a car.
Personal loan repayment calculator
Calculate what your repayments could be with a NAB Personal Loan.
Car Insurance
Compare comprehensive car insurance and third-party cover with NAB Car Insurance.
Our interest rates explained
Understanding the different types of interest rates will help you make an informed choice.
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A fixed rate stays the same for the life of the loan, so your loan repayments will also stay the same.
A variable rate can go up or down over the life of the loan – this means your minimum repayment may change. A variable rate loan also gives you access to a redraw facility, so if you need money unexpectedly you can redraw extra funds you’ve paid.
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A comparison rate is used to help you identify the true cost of the loan, including the interest and some fees and charges. This makes it easier to compare the overall cost of different loans.
When you read comparison rates, take note of the loan amount and the term they’re based on as these affect the comparison rate.
Helpful car purchase guides
Need some help buying a car? Read our tips and guides on purchasing a new or used vehicle.
New car finance options
How to get behind the wheel – sooner than you might think.
Car dealership finance
Questions you should ask before applying for car dealer finance.
The real cost of buying a car
We’ll help you uncover the hidden costs of buying a car.
Help and support
We have guides and support to help you apply for a loan or manage an existing one.
Terms and Conditions
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