Need a Personal Loan?

Interest Rates

  • Standard Variable rate: 13.99%pa*
  • Comparison Rate: 14.25% pa^
  • VIP Variable Rate: 6.44%pa*
  • Comparison Rate: 6.68%pa^

VIP Personal Loan available to members with an existing mortgage loan at First Option. Admin fee waived if paying annual package fee.

Fees and Benefits

  • Admin Fee: $175
  • Principal & Interest Loan
  • No monthly fees
  • Make extra repayments without penalty
  • Redraw facility
  • No penalties for early payout

Our typical members

  • Solid employment - Prefer at least 12 months
  • Good credit history - No defaults or judgements
  • Must be an Australian Citizen or permanent resident
  • Tax Returns - Must be up to date


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