Personal loans

Everyone has their own special hopes and dreams. Whatever yours might be, you can confidently finance them with a specifically tailored personal loan to suit your budget and lifestyle.

So whether it's a special occasion, holiday or home improvements, we have a personal loan that's personalised and perfect for you.

Once approved, funds are usually available the next day or no more than two working days, depending on your circumstances.

GE Money is committed to lending responsibly, which means tailoring our solution with a personal loan amount and repayment plan that suits your lifestyle.

From 11.99% (Comparison rate 13.20%*)

On loans of $10,000 or more.

With a GE Money Personal Loan you can expect:

  • Responsible financing to suit your lifestyle
  • Friendly personal loan experts who understand your needs
  • Easy personal loan application: online, in branch or by phone
  • Customised repayment plan and fixed interest for the life of the personal loan

Personal loan detailsShow more

Minimum age of applicant 18 years of age
Interest type Fixed for the life of the loan
Loan amount From $3,000
Loan term 2 - 7 years1
Repayment frequency Weekly, fortnightly or monthly
Additional repayments Yes, at any time2
Repayment options Direct Debit, Australia Post, BPAY®3
Optional loan protection insurance Available4

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.

Personal loan Rates and FeesShow more

Rest assured. At GE Money, we're upfront and clear about our personal loan interest rates, fees and charges.

Interest Type Fixed for the life of the loan
Interest Rate From 11.99%*p.a. for loan amounts from $10,000 (Comparison rate from 13.20%^p.a.)

Fees and charges

Description Fee
Establishment Fee
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 made at Australia Post or by BPAY®
$1.50
Late Payment Fee
This applies if you don't make the whole of the minimum payment by the due date. An easy way to avoid late payment fees is to set up a direct debit.
$35
Early Termination Fee
Full amount charged within first half of loan term, 50% in the second half of the loan except the last 6 months of the loan when no fee is charged
$150

Do you have any other questions?

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

*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 apply for a personal loanShow more

Save time with our easy application process.

You can apply in branch, over the phone or online. It only takes 15 minutes and we’ll call you within one business day to let you know how your application went.

Apply Online

Find your local branch

Apply over the phone - call 1300 973 422

Once approved and signed, your funds are usually available the next day or no more than two working days, depending on your circumstances.

Am I eligible?

To apply for a GE Money Personal Loan we first need to confirm some initial information. You must:

  • Be over the age of 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

To receive final approval on your loan application, you will need to supply us with the following original documents (depending on the details of your application we may also require some other documents):

Proof of identity
  • Option 1
    Current Australian Driver Licence/Learner Permit OR Proof of Age Card showing current address.
  • Option 2
    Australian Passport (current or expired within 2 years) OR Current Foreign Passport (must NOT be expired) OR Centrelink/Department of Human Services pension card OR non-photo current Australian Driver Licence PLUS one secondary ID document.
  • Secondary ID documents
    Utility bill1 OR rates notice (less than 3 months old) OR Centrelink/Department of Human Services Statement OR ATO Assessment Notice (less than 12 months old).
Proof of income
  • Two of your most recent payslips
  • If you are self-employed, your most recent tax return/financial statement.

1 Excludes mobile phone bill.

Upload portal

Use our secure online upload portal to submit forms or documents

Log in to my loan applicationShow more

If you’ve applied for a GE Money Personal Loan and need to provide further information, you can log in below and upload your required documents and check your application status.

Log in

Forms & calculatorsShow more

Budget planning tools

Feel in control of your finances by understanding your income and expenses. Using some simple tools it’s easy to understand where your money goes and how you can make the most of it.

Set up a budget now

Personal Loan repayment calculator

Use the personal loan repayment calculator to work out your repayments before you get a loan. If you have a loan, find out how you can save time and interest when you make additional repayments.

Calculate your personal loan repayments now

If you pay off your loan early, an early termination fee may apply

Please note: The results from the calculator are to be used as a guide only, as interest rates, time periods and repayments will depend on your personal financial situation.

Useful Customer Forms

To help you manage your account, here are some useful forms you can download and print.Then you can return them to your closest GE Money branch or use our secure upload portal.

*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 an unsecured loan of $30,000 over 5 years.
WARNING: This comparison rate is 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 number 392163.