Why choose QBANK


  • Moderately low interest rate available
  • No ongoing fees
  • Redraw facility available


  • Very few personal loan options available
  • No branches outside Brisbane
  • Upfront fee charged

QBANK Personal Loans

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Australian Credit Licence 241413Fees & charges apply





Discount Rate All Purpose Loan
  • 0 to 7 years
  • Unsecured
  • Variable Rate

Australian Credit Licence 241413Fees & charges apply

Australian Credit Licence 241413Fees & charges apply





All Purpose Loan
  • 0 to 7 years
  • Unsecured
  • Variable Rate

Australian Credit Licence 241413Fees & 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 11.24%

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Features of a QBANK personal loan

There are very few personal lending options available for QBANK members to choose from. Both secured and unsecured QBANK personal loans come with variable interest rates.

There are no ongoing fees for members to pay throughout the term of their personal loan with QBANK. There is an upfront fee to start the loan, but members will find it on par with what they would pay at a major bank.

QBANK personal loan rates are moderate when compared to other lending options. There is a moderately low special discount rate for borrowers who can deposit a monthly salary credit. This offer is for a limited time and can be withdrawn at the bank’s discretion.

QBANK personal loans - customer service

With only three branches to visit in Australia and all within Brisbane, Australians living outside of this area will have to do without face-to-face customer service.

Banking by phone or online is available for those members who are unable to visit a QBANK branch.

Who is eligible for a QBANK personal loan?

Potential borrowers must meet the following eligibility criteria for a QBANK personal loan:

  • Be an Australian resident
  • Pass a credit check
  • Show a history of employment and income
  • Be a member of QBANK
  • Have collateral for a secured loan

How to apply for a QBANK personal loan

QBANK members can apply for a personal loan via the following methods:

  • Online
  • By phone
  • By visiting a branch (Brisbane only)

QBANK personal loans review

There are limited options available for members looking to secure a personal loan with QBANK. All QBANK personal loans come with variable interest rates, which means they could increase (or decrease) over the lifetime of the loan.

Personal loan interest rates from QBANK are moderate when compared to the rest of the market. However, there is a special discount rate that is moderately low. Customers who want access to this rate will need to meet certain criteria and should be advised that this rate is not permanent.

Members with a QBANK personal loan will not be charged any ongoing fees, but they will have to pay an upfront fee. Borrowers may find the lack of ongoing fees to provide some cost savings.

There are no fees for early repayment, which could help members save money if their financial situation improves and they are able to pay off their loan early.

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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.