Heritage Bank personal loan reviews

Heritage Bank
Heritage Bank's overall rating for personal loans

(as rated by the Mozo community)

8.4 / 10

based on 40 reviews

Price

Features

Customer service

Convenience

Trust

Featured personal loan from Heritage Bank

Recent Heritage Bank personal loan reviews

Heritage Bank

Heritage Bank Low Rate Secured Personal Loan (Variable) personal loan review

Overall rating   6 / 10

all good

All good

Full review

All good

    Price   5 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   5 / 10

    Trust   6 / 10

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Dani, Queensland, reviewed over 3 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   10 / 10

Fantastic

Heritage treat me as a person. Nothing is too much trouble and I feel safe that I can trust them.

Full review

Heritage treat me as a person. Nothing is too much trouble and I feel safe that I can trust them.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Christine, Queensland, reviewed over 3 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   6 / 10

Good customer service

Great service and good loans.

Full review

Great service and good loans.

    Price   5 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   4 / 10

    Trust   6 / 10

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Anita, Queensland, reviewed over 3 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   9 / 10

Just great all round service

As a bank, the local and just about any of the branches I have walked into are the most friendly, polite and helpful people of any bank I have ever been with, and as for personal service, they are just fantastic. I went for a personal loan for a...

Full review

As a bank, the local and just about any of the branches I have walked into are the most friendly, polite and helpful people of any bank I have ever been with, and as for personal service, they are just fantastic. I went for a personal loan for a boat a few years ago. I had not been with them long and within 24 hours I had the loan and I have paid it out now and now have a personal loan for a car I got for my daughter .I have absolutely nothing bad to say about Heritage bank they are just great.

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Peter, Queensland, reviewed over 3 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   10 / 10

Very satisfied with real customer aervice.

Easily accessible. Can discuss and get advice.

Full review

Easily accessible. Can discuss and get advice.

    Price   5 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Shirley, , reviewed over 3 years ago

Heritage Bank

Heritage Bank Standard Personal Loan (Fixed, Unsecured) personal loan review

Overall rating   10 / 10

'Competitive features and great customer service'

Heritage has the best rates and staff with the best customer service and advice. The lowest interest rate and fees.

Full review

Heritage has the best rates and staff with the best customer service and advice. The lowest interest rate and fees.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Kevin, Queensland, reviewed over 3 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   7 / 10

not bad

This bank is ok.

Full review

This bank is ok.

    Price   5 / 10

    Features   4 / 10

    Customer service   5 / 10

    Convenience   6 / 10

    Trust   6 / 10

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Jodie, Queensland, reviewed over 3 years ago

Heritage Bank

Heritage Bank Low Rate Secured Personal Loan (Variable) personal loan review

Overall rating   8 / 10

Friendly staff always willing to go the extra mile

I love that this bank makes you feel you are part of it. Just wish there were more located around Australia! Our bank manager is so fantastic we even considered inviting her to our wedding!

Full review

I love that this bank makes you feel you are part of it. Just wish there were more located around Australia! Our bank manager is so fantastic we even considered inviting her to our wedding!

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   2 / 10

    Trust   8 / 10

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Alisa, Queensland, reviewed almost 4 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   10 / 10

Excellent experience

Excellent customer service, so helpful and lovely!

Full review

Excellent customer service, so helpful and lovely!

    Price   7 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Samantha, , reviewed almost 4 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   9 / 10

Heritage

I have several accounts with Heritage and can easily view everything on their online site.

Full review

I have several accounts with Heritage and can easily view everything on their online site.

    Price   9 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Vanessa, Queensland, reviewed about 4 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   2 / 10

Poor service

High fees and poor service.

Full review

High fees and poor service.

    Price   2 / 10

    Features   2 / 10

    Customer service   2 / 10

    Convenience   2 / 10

    Trust   2 / 10

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Olivier, Victoria, reviewed about 4 years ago

Heritage Bank

Heritage Bank Standard Personal Loan (Fixed, Unsecured) personal loan review

Overall rating   9 / 10

Great customer focused bank

Have always looked after me, very easy to contact and always willing to help no matter what, will be taking out my home loan through them also.

Full review

Have always looked after me, very easy to contact and always willing to help no matter what, will be taking out my home loan through them also.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Blake, Queensland, reviewed about 4 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   8 / 10

Excellent rates and fantastic customer service

Heritage Bank has the lead on competitive rates. Fantastic customer service.

Full review

Heritage Bank has the lead on competitive rates. Fantastic customer service.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Donna, Queensland, reviewed over 4 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   10 / 10

Awesome

Love my bank their great people.

Full review

Love my bank their great people.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Mozo reviewer, , reviewed almost 5 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   9 / 10

Great customer service and Home interest rates

This bank has been a God send. At the beginning I had doubts as I had never heard of them. Their Customer Service is amazing always someone there to take your call for a change of fresh air instead of listening to a pre recording. We have...

Full review

This bank has been a God send. At the beginning I had doubts as I had never heard of them. Their Customer Service is amazing always someone there to take your call for a change of fresh air instead of listening to a pre recording. We have dealt with this bank for 3 years for our Home Loan and can't fault it. Considering opening an everyday account once they become more popular or have more better savings accounts on offer. Great bank, great work by their staff. Highly recommend anyone to change to this bank for their Home Loan needs.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   8 / 10

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Denise, Victoria, reviewed almost 5 years ago

Heritage Bank

Heritage Bank Standard Personal Loan (Fixed, Unsecured) personal loan review

Overall rating   8 / 10

The best customer service

Everything about Heritage Bank is excellent, I can't fault them in anyway.

Full review

Everything about Heritage Bank is excellent, I can't fault them in anyway.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Jenny, Queensland, reviewed almost 5 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   10 / 10

The staff made you feel like a real person.

I could not have asked for better service from all the staff at the branch.

Full review

I could not have asked for better service from all the staff at the branch.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

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Name not supplied, Queensland, reviewed about 5 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   6 / 10

Easy to use is the only good part.

Dislike because of numerous fumbles with payments and direct blaming it to the customer without resolving the issue first.

Full review

Dislike because of numerous fumbles with payments and direct blaming it to the customer without resolving the issue first.

    Price   8 / 10

    Features   6 / 10

    Customer service   4 / 10

    Convenience   9 / 10

    Trust   4 / 10

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Name not supplied, Queensland, reviewed about 5 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   10 / 10

Competitive premiums and great customer service

Excellent customer service from all the reps in the two branches I use. The Bank Manager at Q Supercentre is thorough, trustworthy & knowledgeable. Makes sure you understand all the options & the best plan for your needs. Coupled with good...

Full review

Excellent customer service from all the reps in the two branches I use. The Bank Manager at Q Supercentre is thorough, trustworthy & knowledgeable. Makes sure you understand all the options & the best plan for your needs. Coupled with good interest rates and reasonable charges I intend sticking with Heritage. They are a benchmark for service in the financial sector.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Name not supplied, Queensland, reviewed about 5 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   9 / 10

The bank people are friendly and helpful.

We went with the Heritage Bank because they gave us a loan when the Commonwealth & National Bank would not. Also we get along with all the staff especially Matrice, she is the one that handles all of our business.

Full review

We went with the Heritage Bank because they gave us a loan when the Commonwealth & National Bank would not. Also we get along with all the staff especially Matrice, she is the one that handles all of our business.

    Price   6 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Deborah, Queensland, reviewed over 5 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   10 / 10

very good rates

I like the bank of heritage because it's highly recommended and they are very friendly people and it is easy access to every wher their bank atm machine, so i don't really have problem with them. I like them. thanks Lily

Full review

I like the bank of heritage because it's highly recommended and they are very friendly people and it is easy access to every wher their bank atm machine, so i don't really have problem with them. I like them. thanks Lily

    Price   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Lilibeth, Queensland, reviewed over 6 years ago

Heritage Bank

Heritage Bank Low Rate Secured Personal Loan (Variable) personal loan review

Overall rating   9 / 10

great rates and simple but easy banking

i like this product because of the low interest rate and ease of payments using on line banking

Full review

i like this product because of the low interest rate and ease of payments using on line banking

    Price   10 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   8 / 10

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Mathew, Queensland, reviewed over 6 years ago

Heritage Bank

Heritage Bank personal loan review

Overall rating   10 / 10

Great Customer service

They are never too busy to help you in the branch, they go out of there way to make sure you feel important. Even if you have $1.50 in your other accounts.

Full review

They are never too busy to help you in the branch, they go out of there way to make sure you feel important. Even if you have $1.50 in your other accounts.

    Price   9 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Megan, Queensland, reviewed over 6 years ago

Heritage Bank

Heritage Bank Standard Personal Loan (Fixed, Unsecured) personal loan review

Overall rating   10 / 10

Love Heritage no traps , people bank fantastic!!!

this bank is one of the loves in my life. im happy, safe and secure and get treated wonderfully.

Full review

this bank is one of the loves in my life. im happy, safe and secure and get treated wonderfully.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Amanda, Queensland, reviewed over 6 years ago

Heritage Bank

Heritage Bank Low Rate Secured Personal Loan (Variable) personal loan review

Overall rating   9 / 10

fantastic

already explained

Full review

already explained

    Price   7 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Brian, Queensland, reviewed over 6 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Personal loan comparisons on Mozo - rates updated daily

  • SocietyOne Unsecured Personal Loan - Excellent Credit (Fixed)

    SocietyOne Unsecured Personal Loan - Excellent Credit (Fixed)

    • Low rates that reward your good credit
    • Apply online in minutes
    • No monthly or early repayment fees

    interest rate

    7.50% p.a.to 9.99% p.a.

    comparison rate*

    9.51% p.a.to 12.71% p.a.based on $10,000
    over 3 years

    fees

    $300.00upfront
    and
    $0.00/month

    Go to site

    More info

    Terms from 2 to 3 years. Representative example: a 3 year $10,000 loan at 7.50% would cost $11,498.24 including fees.

    • Low rates that reward your good credit
    • Apply online in minutes
    • No monthly or early repayment fees
    • Other benefits:
    • Upfront fee: $300
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Repayment options: Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 2 Years
    • Maximum loan term: 3 Years
    Overall rating

    4.0

    Based on 2 SocietyOne personal loan reviews

    Need more information?
    Go to site

    More info

  • Bank Australia Lifestyle Personal Loan (Variable, Unsecured)

    Bank Australia Lifestyle Personal Loan (Variable, Unsecured)

    • Additional payments accepted
    • No early exit fees
    • Experts Choice Winner 2017 - Australia's Best Bank

    interest rate

    11.89% p.a.

    comparison rate*

    12.94% p.a.based on $10,000
    over 3 years

    fees

    $150.00upfront
    and
    $0.00/month

    Go to site

    More info

    Terms from 1 to 10 years. Representative example: a 3 year $10,000 loan at 11.89% would cost $12,088.25 including fees.

    • Additional payments accepted
    • No early exit fees
    • Experts Choice Winner 2017 - Australia's Best Bank
    • Other benefits:
    • Upfront fee: $150
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $1,000.00
    • Maximum loan amount:
    • Minimum loan term: 1 Year
    • Maximum loan term: 10 Years
    Overall rating

    7.6

    Based on 15 Bank Australia personal loan reviews

    Need more information?
    Go to site

    More info

  • HSBC Unsecured Personal Loan (Fixed)

    HSBC Unsecured Personal Loan (Fixed)

    • Apply online and get an instant response in 60 seconds
    • Borrow from $5,000 up to $50,000
    • Fixed set monthly repayment terms to help you manage your budget

    interest rate

    9.50% p.a.to 15.99% p.a.

    comparison rate*

    10.06% p.a.to 16.53% p.a.based on $30,000
    over 5 years

    fees

    $150.00upfront
    and
    $5.00/month

    Go to site

    More info

    Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 9.50% would cost $38,253.35 including fees.

    • Apply online and get an instant response in 60 seconds
    • Borrow from $5,000 up to $50,000
    • Fixed set monthly repayment terms to help you manage your budget
    • Other benefits:
    • Upfront fee: $150
    • Monthly fee: $5.00
    • Exit fee: $0.00
    • Repayment options: Monthly
    • Security required: Unsecured
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    Overall rating

    6.4

    Based on 19 HSBC personal loan reviews

    Need more information?
    Go to site

    More info

  • ANZ Unsecured Personal Loan (Fixed)

    ANZ Unsecured Personal Loan (Fixed)

    • A Fixed Personal Loan with terms from 1 to 7 years
    • 60 Sec. Response time
    • Borrow up to $50,000

    interest rate

    12.45% p.a.

    comparison rate*

    13.32% p.a.based on $30,000
    over 5 years

    fees

    $150.00upfront
    and
    $10.00/month

    Go to site

    More info

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 12.45% would cost $41,500.53 including fees.

    • A Fixed Personal Loan with terms from 1 to 7 years
    • 60 Sec. Response time
    • Borrow up to $50,000
    • Other benefits: ANZ Loan Protection Insurance available.
    • Upfront fee: $150
    • Monthly fee: $10.00
    • Exit fee: $300.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Overall rating

    6.9

    Based on 1143 ANZ personal loan reviews

    Need more information?
    Go to site

    More info

  • RACQ Bank Unsecured Personal Loan (Variable)

    RACQ Bank Unsecured Personal Loan (Variable)

    • Unlimited additional repayments and no early payout fee
    • Queensland borrowers only
    • Borrow from $3K to $60K

    interest rate

    12.95% p.a.

    comparison rate*

    13.25% p.a.based on $30,000
    over 5 years

    fees

    $200.00upfront
    and
    $0.00/month

    Go to site

    More info

    Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 12.95% would cost $41,109.47 including fees.

    • Unlimited additional repayments and no early payout fee
    • Queensland borrowers only
    • Borrow from $3K to $60K
    • Other benefits:
    • Upfront fee: $200
    • Monthly fee: $0.00
    • Exit fee:
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $3,000.00
    • Maximum loan amount: $60,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    Need more information?
    Go to site

    More info

*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. WARNING: 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.

Want more? Compare all 202 personal loans in the Mozo comparison engine.

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*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. WARNING: 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.

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