Personal loans

Whether it's a holiday, home improvements, or other expenses that come up we can work with you to provide a personal loan that suits your lifestyle. It's an easy, hassle free solution.

We'll create a loan specifically tailored to you, with fixed rates and regular payments.

Enjoy great benefits:

  • Rates from 11.99% (comparison rate 13.20%) for loans over $10,000*
  • Apply online in 15 minutes and we'll respond in one business day
  • Funds in 2 business days from approval
  • One of our experts will work with you to find the perfect solution for your lifestyle

From 11.99% (Comparison rate 13.20%*)

On loans of $10,000 or more.

Loan detailsShow more

Minimum age 18 years of age
Interest type Fixed for the life of the loan
Loan amount Available from $3,000
Loan term 2 - 7 years1
Repayment frequency Weekly, fortnightly or monthly
Additional repayments Yes, you can make extra payments at any time2
Repayment methods Direct Debit, Australia Post, BPAY®3
Loan protection insurance? Yes, this is an available option4

Subject to lending and approval criteria.

  1. Subject to loan amount and risk assessment.
  2. If you pay off your loan early, an early termination fee may apply.
  3. Payment at Australia Post or via BPAY® will incur a payment handling fee.
  4. Conditions Apply.

BPAY® and BPAY® logo are registered trademarks of BPAY® Pty Limited 69 079 137 518. Credit provided by GE Personal Finance Pty Ltd ABN 54 008 443 810, trading as GE Money. Australian Credit Licence number 392163.

Rates and FeesShow more

  • Your interest to be fixed for the life of your loan.
  • For loans from $3,000, the interest rate will be from 17.49%+ (comparison rate from 21.81%).
  • The rate starts from 11.99%*p.a. for loan amounts from $10,000 (Comparison rate from 13.20%^p.a.)

Below you’ll find a break down of any fees and charges you might face.

Description Fee
Establishment Fees
A once only fee for establishing your account
Loans over $4000
Loans under $4000


$250
$140
Loan Service Fee
Charged monthly on all loans
$13
Payment Handling Fee Australia Post & BPAY®
Charged for each payment
$1.50
Late Payment Fee
This fee will only apply if you don't make at least the minimum payments by set due dates. If you set up a direct debit you can easily avoid this fee.
$35
Early Termination Fee
Within first half of your loan term:
Within the second half of your loan term:
Last 6 months of your loan term:
$150
$75
$0

*Approved applicants only. Terms, conditions, fees and charges apply. Interest rate “From 11.99%” will depend on our assessment criteria. Offer has been extended to 31st December 2014 but may be withdrawn prior to this date. This offer is only available for new loans and is not available to existing GE Money Personal Loan customers. Comparison rate is based on an unsecured loan of $30,000 over 5 years.

WARNING: this comparison rate is true for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Settlement times may vary depending on circumstances. For Motor Loans, credit is provided by GE Automotive Financial Services ABN 80 004 187 419 trading as GE Money, Australian Credit Licence number 392178. For GE Money Personal Loans, credit is provided by GE Personal Finance Pty Ltd ABN 54 008 443 810 trading as GE Money, Australian Credit Licence number 392 163.

How to applyShow more

Our application process is quick and easy. It only takes 15 minutes and we'll be in touch within one business day.

Apply Online

Apply at your local branch

Apply over the phone - call 1300 973 422

Am I eligible?

To be eligible for one of our loans you must:

  • Be over 18
  • Be a permanent Australian resident
  • Currently be working and earning an income
  • Have had a good credit history for the last 5 years
  • Not have been bankrupt in the last 7 years

What you'll need

You'll need to supply us with a few original documents before the final approval of your loan, including primary proof of identity, a secondary proof of identity, and proof of your income.

There are a few options for each of these

Primary proof of identity

You must provide one of the following:

  • Current Australian Driver Licence/Learner Permit
  • A Proof of Age Card showing current address
  • Australian Passport (current or expired within 2 years)
  • Current Foreign Passport (must NOT be expired)
  • Centrelink/Department of Human Services pension card
  • Non-photo current Australian Driver Licence PLUS one secondary ID document
Secondary proof of identity

You must provide one of the following:

  • Utility bill (excluding a mobile phone bill)
  • Rates notice (less than 3 months old)
  • Centrelink/Department of Human Services Statement
  • ATO Assessment Notice (less than 12 months old)
Proof of income

You must provide one of the following:

  • Two of your most recent payslips
  • If you are self-employed, two of your most recent tax return/financial statement.

1 Excludes mobile phone bill.

Upload portal

You can securely upload any of these documents with our upload portal

Tools & calculatorsShow more

Visit the tools & calculator page to access a budget planner, a repayment calculator, and some handy finance tips.

Tools & calculators


Useful Customer Forms

Log in to my loan applicationShow more

If you’ve already applied for a loan login to check your application status and upload any required documents.

Log in

Any other questions?Show more

Call us on 1300 973 422, Mon-Fri 9am to 5pm (AEST)

On loans of $10,000 or more.
*Approved customers only. All applications are subject to lending and approval criteria. This offer is only available for new loans and is not available to existing GE Money Personal Loan customers.
^Based on a secured loan of $30,000 over 5 years.
WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit provided by GE Personal Finance Pty Ltd ABN 54 008 443 810 trading as GE Money. Australian Credit Licence 392163.