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Qudos Bank personal loan reviews

Qudos Bank
Qudos Bank's overall rating for personal loans

(as rated by the Mozo community)

6.8 / 10

based on 20 reviews

Price

Features

Customer service

Convenience

Trust

Featured personal loan from Qudos Bank

Recent Qudos Bank personal loan reviews

Qudos Bank

Qudos Bank Unsecured Personal Loan (Variable) Unsecured Personal Loan (Variable) review

Overall rating   8 / 10

Pretty good.

Not the cheapest but good service.

Full review

Not the cheapest but good service.

    Price   7 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Judith, New South Wales, reviewed almost 4 years ago

Qudos Bank

Qudos Bank Personal Loan review

Overall rating   10 / 10

Great interest rates

After 15 years I have yet to have bad customer service.

Full review

After 15 years I have yet to have bad customer service.

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Nicole, Queensland, reviewed about 4 years ago

Qudos Bank

Qudos Bank Personal Loan review

Overall rating   10 / 10

Always helps

Always helpful

Full review

Always helpful

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Con, , reviewed over 4 years ago

Qudos Bank

Qudos Bank Personal Loan review

Overall rating   2 / 10

Very belittling experience from customer service

Just tried to organize a debt consolidation loan because we've been through a lot in the past with illness and family and are just starting to get back on track. After doing an online application we had a missed call from QQU. Called them back...

Full review

Just tried to organize a debt consolidation loan because we've been through a lot in the past with illness and family and are just starting to get back on track. After doing an online application we had a missed call from QQU. Called them back to see how it went, and it turned into the entire conversation with the lady talking down to me and her even laughing when I told her what car I had (for the application). She then commented on how embarrassing it was for us to be in this amount of debt (like I wasn't aware myself). I didn't mind not getting approved, it was expected. I was simply hoping to make life easier for ourselves. But then have someone pretty much BULLY you about a very personal part of our lives was terrible.

    Price   8 / 10

    Features   8 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Dylan, , reviewed almost 5 years ago

Qudos Bank

Qudos Bank Unsecured Personal Loan (Variable) Unsecured Personal Loan (Variable) review

Overall rating   8 / 10

Cheap and friendly

It has great interest rates and friendly service. They don't have very good communication though and takes forever to get a loan approved. They have no ATM at my local town so I have to use another branch's ATM which can cost a fee each time....

Full review

It has great interest rates and friendly service. They don't have very good communication though and takes forever to get a loan approved. They have no ATM at my local town so I have to use another branch's ATM which can cost a fee each time. Internet banking is easy as well which is great.

    Price   8 / 10

    Features   3 / 10

    Customer service   3 / 10

    Convenience   2 / 10

    Trust   5 / 10

Less

Rose, New South Wales, reviewed almost 5 years ago

Qudos Bank

Qudos Bank Unsecured Personal Loan (Variable) Unsecured Personal Loan (Variable) review

Overall rating   9 / 10

Takes a little longer but worth it

Qantas Credit Union is a great brand, very trustworthy. It does take a little longer than other financial institutions to obtain credit cards or personal loans from application, but the benefits out weigh the application process. Very basic...

Full review

Qantas Credit Union is a great brand, very trustworthy. It does take a little longer than other financial institutions to obtain credit cards or personal loans from application, but the benefits out weigh the application process. Very basic internet banking though.

    Price   9 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Hayden, Victoria, reviewed over 5 years ago

Qudos Bank

Qudos Bank Unsecured Personal Loan (Variable) Unsecured Personal Loan (Variable) review

Overall rating   0 / 10

Rotten fees

Terrible fees.

Full review

Terrible fees.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Yvette, Western Australia, reviewed almost 6 years ago

Qudos Bank

Qudos Bank Unsecured Personal Loan (Variable) Unsecured Personal Loan (Variable) review

Overall rating   10 / 10

Easy set up with minimal cost involved

I have now had a couple of personal loans held via Qantas Credit Union. They are a great/no frills service who don't overcharge. They don't have an application nor monthly service fee. They don't bog you down with options you don't require...

Full review

I have now had a couple of personal loans held via Qantas Credit Union. They are a great/no frills service who don't overcharge. They don't have an application nor monthly service fee. They don't bog you down with options you don't require therefore are not charged accordingly. It was easy to set up and easy to manage ongoing. The only negative really is the number of branches.

    Price   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Name not supplied, New South Wales, reviewed about 6 years ago

Qudos Bank

Qudos Bank Unsecured Personal Loan (Variable) Unsecured Personal Loan (Variable) review

Overall rating   0 / 10

Avoid it!

Avoid!! Staff don't seem to listen to the customer or read the application properly. My details were mixed up. Application was also mis-handled. Much better service going with one of the big four (except CBA). I ended up going elsewhere due to the...

Full review

Avoid!! Staff don't seem to listen to the customer or read the application properly. My details were mixed up. Application was also mis-handled. Much better service going with one of the big four (except CBA). I ended up going elsewhere due to the process becoming too painful and them trying to sell other products I simply was not interested in, rather than concentrating on the application.

    Price   0 / 10

    Features   6 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Paul, New South Wales, reviewed over 6 years ago

Qudos Bank

Qudos Bank Unsecured Personal Loan (Variable) Unsecured Personal Loan (Variable) review

Overall rating   5 / 10

Don't pass on rate cuts in a timely manner

They don't pass on interest rate cuts in a timely manner but as soon as the reserve bank increases interest rates they increase the rate on their loans.

Full review

They don't pass on interest rate cuts in a timely manner but as soon as the reserve bank increases interest rates they increase the rate on their loans.

    Price   5 / 10

    Features   5 / 10

    Customer service   4 / 10

    Convenience   6 / 10

    Trust   6 / 10

Less

Patrick, New South Wales, reviewed about 7 years ago

Qudos Bank

Qudos Bank Unsecured Personal Loan (Variable) Unsecured Personal Loan (Variable) review

Overall rating   9 / 10

The best deal going around.

In a modern day where flexibility seems to have been forgotten, QSCU is king. This loan has no establishment fees, no account keeping fees, and best of all, there is no fee to pay out the loan early. All you do is pay off the loan, and the...

Full review

In a modern day where flexibility seems to have been forgotten, QSCU is king. This loan has no establishment fees, no account keeping fees, and best of all, there is no fee to pay out the loan early. All you do is pay off the loan, and the interest. You don't pay the bank for the privilege of your business. It is honest, transparent and simple. I cannot recommend this loan highly enough.

    Price   9 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

Less

Andrew, New South Wales, reviewed over 7 years ago

Qudos Bank

Qudos Bank Unsecured Personal Loan (Variable) Unsecured Personal Loan (Variable) review

Overall rating   4 / 10

Great customer service

I found the credit union to be both helpful and most enjoyable process ever best friendly staff and most helpful.

Full review

I found the credit union to be both helpful and most enjoyable process ever best friendly staff and most helpful.

    Price   3 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   5 / 10

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Yvette, Western Australia, reviewed over 7 years ago

Qudos Bank

Qudos Bank Personal Loan review

Overall rating   10 / 10

The personal service competitive rates, quick turn around and attention to details was awesome - some of the big financial institutions should wake up and take note !!!

Full review

The personal service competitive rates, quick turn around and attention to details was awesome - some of the big financial institutions should wake up and take note !!!

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   10 / 10

Less

Alistair , New South Wales, reviewed over 7 years ago

Qudos Bank

Qudos Bank Personal Loan review

Overall rating   5 / 10

For a bank, they're not the worst, but the best bank may still be under the mattress.

Full review

For a bank, they're not the worst, but the best bank may still be under the mattress.

    Price   5 / 10

    Features   1 / 10

    Customer service   4 / 10

    Convenience   10 / 10

    Trust   5 / 10

Less

Leanne, New South Wales, reviewed over 7 years ago

Qudos Bank

Qudos Bank Personal Loan review

Overall rating   10 / 10

I applied for an Unsecured Line of Credit and found the staff extremely helpful. I would highly recommend this institution and this product to everyone.

Full review

I applied for an Unsecured Line of Credit and found the staff extremely helpful. I would highly recommend this institution and this product to everyone.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Kathryn, Tasmania, reviewed about 8 years ago

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Personal loan comparisons on Mozo - rates updated daily

  • 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.

    • 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

  • Symple Loans Personal Loan (Variable, Unsecured)

    Symple Loans Personal Loan (Variable, Unsecured)

    interest rate

    5.99% p.a.to 25.99% p.a.

    comparison rate*

    7.55% p.a.to 29.2% p.a.based on $30,000
    over 5 years

    fees

    $600.00upfront
    and
    $10.00/month

    Go to site

    More info

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 5.99% would cost $35,990.67 including fees.

    • Upfront fee: $600
    • 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

  • MOZO EXPERTS CHOICE AWARDS 2018

    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
    • 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: $5,000.00
    • Maximum loan amount: $70,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    • Security required: Unsecured
    • Other benefits:
    Need more information?
    Go to site

    More info

  • ING Unsecured Personal Loan (Fixed)

    ING Unsecured Personal Loan (Fixed)

    • A competitive fixed interest rate of 8.99% p.a. (comparison rate 9.13% p.a.).
    • Keep it simple with no monthly or annual fees.
    • Pay it off earlier, without early repayment fees

    interest rate

    8.99% p.a.

    comparison rate*

    9.13% p.a.based on $30,000
    over 5 years

    fees

    $100.00upfront
    and
    $0.00/month

    Go to site

    More info

    Terms from 2 to 5 years. Representative example: a 5 year $30,000 loan at 8.99% would cost $37,456.30 including fees.

    • A competitive fixed interest rate of 8.99% p.a. (comparison rate 9.13% p.a.).
    • Keep it simple with no monthly or annual fees.
    • Pay it off earlier, without early repayment fees
    • Upfront fee: $100
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Late payment fee: $20.00
    • Repayment options: Fortnightly, Monthly
    • Early repayment penalty: $0
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $30,000.00
    • Minimum loan term: 2 Years
    • Maximum loan term: 5 Years
    • Security required: Unsecured
    • Other benefits: Establishment fee waived when you have an active Orange Everyday at the time of application or request to open an Orange Everyday account with your ING Personal Loan to receive loan funds.
    Overall rating

    7.7

    Based on 6 ING personal loan reviews

    Need more information?
    Go to site

    More info

  • Heritage Bank Low Rate Secured Personal Loan (Variable)

    Heritage Bank Low Rate Secured Personal Loan (Variable)

    • Low rate of interest on your loan while still earning interest on your term deposit
    • Borrow from $5,000 up to $100,000
    • Ability to redraw additional repayment

    interest rate

    4.94% p.a.

    comparison rate*

    7.41% p.a.based on $10,000
    over 3 years

    fees

    $200.00upfront
    and
    $5.00/month

    Go to site

    More info

    Terms from 1 to 10 years. Representative example: a 3 year $10,000 loan at 4.94% would cost $11,159.83 including fees.

    • Low rate of interest on your loan while still earning interest on your term deposit
    • Borrow from $5,000 up to $100,000
    • Ability to redraw additional repayment
    • Upfront fee: $200
    • Monthly fee: $5.00
    • Exit fee: $0.00
    • Late payment fee: $20.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: Fees may apply
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $100,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 10 Years
    • Security required: Yes
    • Other benefits:
    Overall rating

    8.4

    Based on 40 Heritage Bank 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 210 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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