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Heritage Bank personal loan reviews

Heritage Bank
Heritage Bank's overall rating for personal loans

(as rated by the Mozo community)

8.5 / 10

based on 42 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) Low Rate Secured Personal Loan review

Overall rating   10 / 10

Great rates and super customer service.

Very easy process from start to finish. I would totally recommend as they care about their members.

Full review

Very easy process from start to finish. I would totally recommend as they care about their members.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Kristine, Queensland, reviewed about 1 month ago

Heritage Bank

Heritage Bank Personal Loan review

Overall rating   10 / 10

Competitive premiums and great customer service

An Australian person is always able to speak to you and they are friendly and considerate. They are also flexible and try to help.

Full review

An Australian person is always able to speak to you and they are friendly and considerate. They are also flexible and try to help.

    Price   10 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Tracey, Queensland, reviewed about 2 months ago

Heritage Bank

Heritage Bank Low Rate Secured Personal Loan (Variable) Low Rate Secured 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

Less

Dani, Queensland, reviewed over 4 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

Less

Christine, Queensland, reviewed over 4 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

Less

Anita, Queensland, reviewed over 4 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

Less

Peter, Queensland, reviewed over 4 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

Less

Shirley, , reviewed almost 5 years ago

Heritage Bank

Heritage Bank Standard Personal Loan (Fixed, Unsecured) Standard Personal Loan (Unsecured) 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

Less

Kevin, Queensland, reviewed almost 5 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

Less

Jodie, Queensland, reviewed almost 5 years ago

Heritage Bank

Heritage Bank Low Rate Secured Personal Loan (Variable) Low Rate Secured 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

Less

Alisa, Queensland, reviewed almost 5 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

Less

Samantha, , reviewed about 5 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

Less

Vanessa, Queensland, reviewed about 5 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

Less

Olivier, Victoria, reviewed about 5 years ago

Heritage Bank

Heritage Bank Standard Personal Loan (Fixed, Unsecured) Standard Personal Loan (Unsecured) 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

Less

Blake, Queensland, reviewed about 5 years ago

Heritage Bank

Heritage Bank Used Car 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

Less

Donna, Queensland, reviewed over 5 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

  • Symple Loans Personal Loan (Variable, Unsecured)

    Symple Loans Personal Loan (Variable, Unsecured)

    interest rate

    5.75% p.a.to 19.99% p.a.

    comparison rate*

    6.89% p.a.to 23.07% p.a.based on $30,000
    over 5 years

    fees

    $300.00upfront
    and
    $10.00/month

    Go to site

    More info

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 5.75% would cost $35,490.18 including fees.

    • Interest rate: 5.75% p.a.to 19.99% p.a.
    • Comparison rate*: 6.89% p.a.to 23.07% p.a.based on $30,000
      over 5 years
    • Upfront fee: $300
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Late payment fee: $35.00
    • Repayment options: Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    • Security required: Unsecured
    • Other benefits:
    Need more information?
    Go to site

    More info

  • Harmoney Unsecured Personal Loan (Fixed)

    Harmoney Unsecured Personal Loan (Fixed)

    • Up to $70,000, unsecured. Fast, easy & 100% online
    • No hidden fees or early repayment penalties with Australasia's leading marketplace lending website
    • You're unique, so is your interest rate

    interest rate

    6.99% p.a.to 28.69% p.a.

    comparison rate*

    7.69% p.a.to 29.55% p.a.based on $30,000
    over 5 years

    fees

    $500.00upfront
    and
    $0.00/month

    Go to site

    More info

    Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 6.99% would cost $36,133.67 including fees.

    • Up to $70,000, unsecured. Fast, easy & 100% online
    • No hidden fees or early repayment penalties with Australasia's leading marketplace lending website
    • You're unique, so is your interest rate
    • Interest rate: 6.99% p.a.to 28.69% p.a.
    • Comparison rate*: 7.69% p.a.to 29.55% p.a.based on $30,000
      over 5 years
    • Upfront fee: $500
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Late payment fee: $15.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $2,000.00
    • Maximum loan amount: $70,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    • Security required: Unsecured
    • Other benefits: Application fee is $200 for loans under $5,000.
    Overall rating

    8.3

    Based on 4 Harmoney personal loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Latitude Low Rate Personal Loan (Fixed, Secured)

    Latitude Low Rate Personal Loan (Fixed, Secured)

    • Available to new Latitude personal loan customers only
    • Applicants must be mortgage holders or homeowners
    • Applicants need an excellent credit score to apply

    interest rate

    9.99% p.a.

    comparison rate*

    11.22% p.a.based on $30,000
    over 5 years

    fees

    $250.00upfront
    and
    $13.00/month

    Go to site

    More info

    Terms from 2 to 7 years. Representative example: a 5 year $30,000 loan at 9.99% would cost $39,265.82 including fees.

    • Available to new Latitude personal loan customers only
    • Applicants must be mortgage holders or homeowners
    • Applicants need an excellent credit score to apply
    • Interest rate: 9.99% p.a.
    • Comparison rate*: 11.22% p.a.based on $30,000
      over 5 years
    • Upfront fee: $250
    • Monthly fee: $13.00
    • Exit fee: $0.00
    • Late payment fee: $35.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: $300 in first half of loan, $0 in second half.
    • Minimum loan amount: $20,000.00
    • Maximum loan amount:
    • Minimum loan term: 2 Years
    • Maximum loan term: 7 Years
    • Security required: Residential Property, Various, Vehicle
    • Other benefits:
    Overall rating

    4.7

    Based on 191 Latitude personal loan reviews

    Need more information?
    Go to site

    More info

  • OurMoneyMarket Low Rate Personal Loan (Excellent Credit) (Fixed, Unsecured)

    OurMoneyMarket Low Rate Personal Loan (Excellent Credit) (Fixed, Unsecured)

    interest rate

    8.00% p.a.

    comparison rate*

    8.21% p.a.based on $30,000
    over 5 years

    fees

    $150.00upfront
    and
    $0.00/month

    Go to site

    More info

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 8.00% would cost $36,647.51 including fees.

    • Interest rate: 8.00% p.a.
    • Comparison rate*: 8.21% p.a.based on $30,000
      over 5 years
    • Upfront fee: $150
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Late payment fee: $35.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $2,001.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    • Security required: Unsecured
    • Other benefits:
    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    RateSetter Unsecured Personal Loan (Variable)

    RateSetter Unsecured Personal Loan (Variable)

    • Low rates for borrowers with good credit
    • 1 min rate estimate, simple online application
    • No exit fees, no early repayment fees

    interest rate

    6.89% p.a.

    comparison rate*

    8.89% p.a.based on $10,000
    over 3 years

    fees

    $299.00upfront
    and
    $0.00/month

    Go to site

    More info

    Terms from 1 to 5 years. Representative example: a 3 year $10,000 loan at 6.89% would cost $11,396.66 including fees.

    • Low rates for borrowers with good credit
    • 1 min rate estimate, simple online application
    • No exit fees, no early repayment fees
    • Interest rate: 6.89% p.a.
    • Comparison rate*: 8.89% p.a.based on $10,000
      over 3 years
    • Upfront fee: $299
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Late payment fee: $30.00
    • Repayment options: Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $2,001.00
    • Maximum loan amount: $45,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    • Security required: Unsecured
    • Other benefits:
    Overall rating

    5.0

    Based on 1 RateSetter personal loan reviews

    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 220 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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