Why choose Hume Bank


  • No ongoing monthly fees
  • No early exit penalty
  • Free redraw facility


  • Application fee charged
  • No variable interest rate options
  • Limited branch access

Hume Bank Personal Loans

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Australian Credit Licence 244248Fees & charges apply





Secured Personal Loan
  • 1 to 5 years
  • Secured
  • Fixed Rate
  • No ongoing fees

Australian Credit Licence 244248Fees & charges apply

Australian Credit Licence 244248Fees & charges apply





Unsecured Personal Loan
  • 1 to 5 years
  • Unsecured
  • Fixed Rate
  • No ongoing fees

Australian Credit Licence 244248Fees & charges apply

Personal Loans calculator

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


Your estimated repayments


based on a $30,000 loan for 5 years at 8.49%

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Total interest charged


Features of Hume Bank personal loans

Interest rates

All Hume Bank personal loans have fixed interest rates.


  • Upfront application fee charged
  • No monthly fees
  • No fee for extra repayments and early exit
  • Missed payment penalty fee charged

Loan terms

One to five years.

Loan amounts

From $2,000. Maximum limits will be determined by Hume Bank on application.


Hume bank offers secured loans where customers use their property, a term deposit or a vehicle as collateral. Hume Bank also offers unsecured loans, where there is no collateral. Higher interest rates are charged for unsecured personal loans.

Repayment options

  • Weekly, fortnightly or monthly
  • Additional payments can be made without penalty
  • The loan can be paid off early without penalty

Hume Bank personal loans – customer service

Hume Bank is headquartered in Albury, New South Wales, and has 19 branches in southern NSW and north-eastern Victoria. Customers also have access to its online banking and app services 24/7. Hume Bank Customers can seek assistance in the following ways:

  • Branch (Monday-Friday at all branches, Saturdays at some branches)
  • Phone
  • Email
  • Mobile lenders
  • Mail

Who is eligible for a Hume Bank personal loan?

To be eligible for a Hume Bank personal loan, you must be:

  • At least 18 years of age
  • An Australian citizen or a permanent resident of Australia
  • Not bankrupt or insolvent

How to apply for a Hume Bank personal loan

Hume Bank lets customers apply for a personal loan online or in person at a branch.

The online application form takes about 15 minutes.

You will likely need the following documents:

  • Driver’s licence or passport
  • Two most recent payslips
  • Current group certificate/PAYG payment summary
  • If self-employed: The last two years of financial statements and income tax returns
  • If consolidating credit cards debts: The last three months of statements for each card
  • If consolidating personal loan debts: A statement showing the past three months of transactions and balances
  • If you have other debts not held with Hume: A current statement for any of these debts
  • If you have savings not held with Hume: The last three months of statements

Hume Bank personal loans review

Hume Bank offers personal loans packed with features for a wide variety of needs, including consolidating debt, paying for special occasions like weddings, or holidays and medical bills.

Once a relatively low application fee is paid, there are no ongoing charges on a personal loan with Hume Bank, and no penalties for making extra repayments or paying off the loan early

There is also a free redraw facility offered by Hume Bank on its personal loans.

When it comes to interest rates, Hume Bank only offers fixed-rate personal loans. The rates on Hume Bank’s secured personal loans are higher than the unsecured.

Compared to other lenders, Hume Bank’s unsecured personal loans have very low to moderately low interest rates, depending on the product, while its unsecured personal loans have a moderate interest rate.

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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.