Personal Loan
Enhance your lifestyle with a personal loan that matches it. We've designed our range of Lifestyle Personal Loans to fit your needs.
You can borrow from $3,000 for any worthwhile personal purchase plus the options of fixed or variable interest rates, unsecured or mortgage-secured.
Features and benefits
| Personal Loans |
|---|
| Unsecured | Mortgage Secured |
|---|
Minimum loan amount | $3,000 |
| Application fee | $150 | $195 |
| Monthly maintenance fee | $7.50* |
Minimum loan term | 1 year |
Maximum loan term | 7 years |
Variable interest rate option | Yes - make unlimited additional repayments any time and pay off your loan sooner. |
Fixed interest rate option | Yes – your set repayment amount is determined at the start of the loan |
Security | Nil or personal guarantee | Residential property |
Extra repayments | Yes, without extra fees |
Early payout | $100 Prepayment Adjustment Administration Fee applies if paid out in initial 12 months. |
Repayments | Weekly Fortnightly Monthly |
| Internet Banking | Yes |
| EasyPhone Banking | Yes |
Government fees and charges and Bank release fees may apply to release of security.
Internet Banking and EasyPhone Banking access excludes withdrawal transfers and BPAY payments.
Interest rates
Unsecured Personal Loan rates and Secured Personal Loan rates are available on the Today's rates page.
Fees and charges
| Personal Loans |
|---|
| Unsecured | Mortgage Secured |
|---|
| Monthly maintenance fee | $7.50* | $7.50* |
Application fee | $150 | $150 |
Fees and charges are payable. Normal credit assessment criteria apply. Full terms and conditions are available at any branch of Bank of Queensland. Interest rates quoted are indicative only, and are subject to change without notice. Fixed interest rates may vary between application and drawdown of the loan.
* this fee is applied to new loans from 1 September, 2008.
You can apply online via BOQApply for a variable rate Unsecured Personal Loan.
To apply for all other personal loans download the Consumer Lending Application form (PDF 145kb) and find out what information we need from you. Then drop in to one of our convenient locations and speak to someone face to face or call one of our friendly customer service consultants on 1300 55 72 72.
Important information
Please view the terms and conditions listed below on the Terms and Conditions page:
- Personal Banking Guide to Fees and Charges
- Personal Lending Supplementary Terms and Conditions
This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the terms and conditions, Financial Services Guide and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. You can obtain a copy of those documents from any Bank of Queensland branch.