Heritage Bank personal loans

4.3
Based on 44 Heritage Bank personal loan product reviews.
Fact Checked

Heritage Bank is the largest customer-owned bank in Australia and has no less than five different types of personal loans available to customers. If a personal loan with stand-out features like generous loan terms, higher than usual loan amounts and a convenient redraw facility sounds good to you, read further to get the lowdown on what this mutual bank has to offer.

Heritage Bank won two Mozo Experts Choice Awards for 2023 – one for their Car Loan and one for their Standard Personal Loan.

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Last updated 24 November 2024 Important disclosures and comparison rate warning*

Heritage Bank personal loans

  • Standard Personal Loan

    • Fixed, Unsecured
    Interest rate from
    8.99 % p.a.
    Comparison rate from
    9.35 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $250
    Link not supplied

  • Car Loan

    • Up to 7 years old, Fixed, Secured
    Interest rate from
    6.49 % p.a.
    Comparison rate from
    6.49 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $0
    Link not supplied

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Heritage Bank personal loan ratings

Overall customer rating for Heritage Bank personal loans

4.3
Based on 44 product reviews.

Customer reviews

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Heritage Bank products

Personal loan quick links


* WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

^See information about the Mozo Experts Choice Personal Loan Awards

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