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Our interest rates explained

We offer a range of rates on our 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. 

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.

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Terms and Conditions

- Minimum interest rate for a variable rate loan is 8.49% p.a. (9.88% p.a. comparison rate) and the maximum interest rate is 20.49% p.a. (21.78% p.a. comparison rate)

- Minimum interest rate for a fixed rate loan is 8.49% p.a. (9.88% p.a. comparison rate) and the maximum interest rate is 20.49% p.a. (21.78% p.a. comparison rate)

Terms and conditions and fees and charges apply. Approval and loan amount are subject to our credit assessment criteria. Information, including fees are subject to change. See our general terms for personal loans, personal banking fees and charges and indicator rates for other personal lending.

Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these products. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. IOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Products issued by NAB.