| Product | Interest rate from | Comparison rate from | Upfront fee |
|---|---|---|---|
| Car Loan (Up to 7 years old, Fixed, Secured) |
6.49% p.a. |
6.84% p.a.based on $30,000 |
$250.00 |
| Standard Personal Loan (Fixed, Unsecured) |
8.99% p.a. |
9.35% p.a.based on $30,000 |
$250.00 |
Fixed rate car loan:
Are you ready to ditch your rusty car for a new or second-hand ride using a personal loan to finance it? If you answered yes, then perhaps Heritage Bank’s competitive fixed rate car loan with flexible features could be a good pick. This loan involves buying a car five years old or less and securing it to the contract as collateral. Depending on your financial circumstances, you can borrow $5,000 to $100,000 and pay it off between one to seven years. If you are on a regimented budget, this fixed rate car loan may work for you because repayments remain the same for the entire term. Plus there are no monthly fees. Heritage Bank accept extra loan repayments too, which you can dip into via a redraw facility.
The Car Loan from Heritage Bank won a 2023 Mozo Experts Choice Award for Best Used Car Loan.
Standard personal loan:
If you’re looking for a smaller personal loan amount with plenty of flexible features and no monthly fees, Heritage Bank’s standard personal loan might be your best fit. With loans ranging from $5,000 to $50,000, a fixed rate and flexibility to choose a repayment term anywhere up to 7 years you could use this personal loan to help renovate your home or landscape the garden. It also comes with flexible features like the option to make extra repayments and redraw from them.
The Standard Personal Loan from Heritage Bank won a 2023 Mozo Experts Choice Award for Best Unsecured Personal Loan.
You can apply for a Heritage Bank personal loan in a few easy steps. Once you have all your documents (detailed below) ready to submit with your application, pop into a branch, give Heritage a call or use the online portal to fill everything out there. The bank will let you know if you’ve been approved swiftly and you should have the funds cleared in your account in a matter of days.
To apply for a personal loan with Heritage Bank you will need:
Mozo users have rated Heritage Bank personal loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
44 Reviews
Very satisfied customer, prompt and informative customer service that made applying for a car loan very straight forward. Highly recommend this bank.
Read full reviewVery satisfied customer, prompt and informative customer service that made applying for a car loan very straight forward. Highly recommend this bank.
I needed a personal loan in a hurry and I was able sit down face to face with a branch manager and discuss my options. Once everything was agreed upon the funds were available to me within 24 hours. The repayment plan was easy to follow and access through my mobile app. I opted for the automatic repayment at fortnightly intervals as that worked for me but there were many options available. Best feature for me was actually talking to a person who could help me understand in layman terms.
Read full reviewI needed a personal loan in a hurry and I was able sit down face to face with a branch manager and discuss my options. Once everything was agreed upon the funds were available to me within 24 hours. The repayment plan was easy to follow and access through my mobile app. I opted for the automatic repayment at fortnightly intervals as that worked for me but there were many options available. Best feature for me was actually talking to a person who could help me understand in layman terms.
Very easy process from start to finish. I would totally recommend as they care about their members.
Read full reviewVery easy process from start to finish. I would totally recommend as they care about their members.
An Australian person is always able to speak to you and they are friendly and considerate. They are also flexible and try to help.
Read full reviewAn Australian person is always able to speak to you and they are friendly and considerate. They are also flexible and try to help.