Why choose Heritage Bank


  • No early exit penalty
  • Can apply online
  • Can apply in branch


  • Application fee charged
  • Monthly fee charged
  • Not the lowest rate on the market

Heritage Bank Personal Loans

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Australian Credit Licence 244310Fees & charges apply





Unsecured Fixed Standard Personal Loan
  • 1 to 7 years
  • Unsecured
  • Fixed Rate
  • No ongoing fees

Australian Credit Licence 244310Fees & charges apply

Personal Loans calculator

Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.


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based on a $30,000 loan for 5 years at 8.99%

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Features of a Heritage Bank personal loan

Heritage Bank has a range of personal loans to suit different borrower profiles and preferences. Some of its options include unsecured, secured, fixed and variable personal loans and car loans. The standard personal loan is designed for borrowers who wish to take out loans of $5,000 or more and make their repayments weekly or fortnightly.

The loan amount can be paid back over a period of up to five years for fixed-rate personal loans or up to 10 years for variable-rate personal loans. Borrowers can also make extra, lump sum repayments if they have the capacity and then redraw those repayments if needed. The maximum loan amount for unsecured loans is $25,000, while borrowers with secured loans can take up to $100,000, subject to eligibility and approval.

Heritage Bank personal loans can be used for a range of different purposes including:

  • Debt consolidation
  • Cars and motorcycles
  • Education expenses
  • Wedding financing
  • Holidays
  • Investing
  • Renovations
  • Medical bills

Heritage Bank personal loans – customer service

Customers looking to contact Heritage Bank customer service can call a personal banking hotline or send an online enquiry. Heritage Bank’s branches are limited to Queensland.

Other ways to contact Heritage Bank include:

  • Online enquiry form
  • Email
  • Phone Mon-Sat, 7:30am - 7:00pm (AEST)

Who is eligible for a Heritage Bank personal loan?

To be eligible for a Heritage Bank personal loan, you’ll need to meet the following criteria:

  • Be at least 18 years old  
  • Be an Australian citizen, permanent resident or have a valid visa
  • Use the loan for personal use only
  • Not currently bankrupt or in financial hardship

How to apply for a Heritage Bank personal loan?

Applications for a Heritage Bank personal loan can be made online or in store. The online application process is simple to complete and involves the following steps:

  • Fill in an online form
  • Once completed, your application will be reviewed
  • Upon final approval, the funds will be credited to your loan account

At the time of application, you’ll need to provide the following documentation:

  • Proof of identity
  • Proof of income and employment
  • Details of any other financial commitments

Heritage Bank personal loans review

Heritage Bank personal loans have a number of features that may appeal. Borrowers are given the freedom to pay back the loan amount in lump sums or in regular, smaller instalments and can redraw any extra repayments. They can also opt for either a fixed or variable interest rate. The loans are available for a range of purposes, including holidays, debt consolidation and renovations.

Existing customers with a Heritage Bank term deposit can secure it against a variable rate personal loan. Borrowers can borrow up to $100,000 for terms of between one and 10 years.

Although there is a small, ongoing fee charged, the application fee is waived on the standard personal loan. The interest rate is also reasonable compared to some of Heritage Bank’s counterparts, but prudent borrowers would be wise to compare rates at the time of application to make sure they are getting a good deal.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.