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Why wait? Make it yours sooner

Whether you're buying a car, renovating your home or consolidating debt, our personal loans are here to help you reach your goals.

Choose from secured or unsecured loans with competitive rates and enjoy flexible terms of up to 7 years, no monthly or annual fees and no penalties for early repayments. Whether it’s something practical or something personal, let's make it yours on your own terms.

The interest rate offered to you will be personalised depending on our credit assessment of your financial situation. The interest rate shown above is the minimum interest rate that may be applicable.

Another option to make it yours

Mutual Visa Credit Card

The Mutual Bank’s Visa Credit Card is a convenient credit card that makes shopping easy.

  • No early repayment penalties or restrictions on additional payments
  • Instantly lock your card through The Mutual App
  • Use your card around the world wherever visa is accepted
  • 12.49 % p.a.
    Interest rate

How to Apply

Getting started is easy – and only takes a few minutes.

Looking for something else?

View and compare our Savings and Investment Accounts

Need more support? We're here to help

  • 1 The interest rate offered to you will be personalised depending on our credit assessment of your financial situation. The interest rate shown is the minimum interest rate that may be applicable.
  • 2 Comparison rate is based on a secured 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.
  • 3 Interest free period is up to 55 days. This applies to purchases only. There is no interest free period for balance transfers and cash advances. Interest is calculated on these items from the day of the transaction.

We have not considered your objectives, financial situation, or needs. You should consider these things, along with the Product Disclosure Statement and our product Target Market Determinations before making any decision to acquire a product.

All interest rates quoted are fixed for the term of the loan.

All loans are subject to The Mutual Bank's lending guidelines. Full details of Terms and Conditions are available on application. Fees and charges may apply. The annual percentage rate for our Personal Loan Products will vary depending on our credit risk assessment. As a result, the comparison rates quoted will not necessarily be the rate applicable to a Personal Loan we offer.