At a glance

10.99 %P.A.
Fixed Rate Unsecured Personal Loan
11.71 %P.A.
Comparison rate*
Additional repayment fees or early repayment fees
Loan terms and repayment options to suit you

Why choose our low rate unsecured personal loan?

Whether you’re looking to pay for your next car, wedding, holiday, consolidate your debts or you need some extra funds, our low rate personal loan can help make your dreams a reality.

Set your repayments for the life of your loan

Our low, fixed rate personal loan gives you the certainty of knowing what your repayments will be for the life of your loan

No penalties for additional repayments or early payout

Repay your loan sooner by making additional repayments without penalty.  No break costs or early repayment costs if you repay your loan early

Flexible repayment options

Select repayment terms that suit your budget: weekly, fortnightly or monthly, on loan terms of 1 - 7 years

Borrow upwards of $3,000

Borrow a minimum of $3,000 and get started on reaching your goals now



Personal loan features

Unsecured Fixed Rate Personal Loan

Minimum loan amount


Maximum loan amount


Application fee


Monthly maintenance fee


Minimum loan term

1 year

Maximum loan term

7 years



Extra repayments

Yes, no fees apply

Early payout

Yes, no fees apply





Internet Banking



Internet Banking access excludes withdrawal transfers and BPAY payments.

Interest rate

Enjoy a great low rate on our flexible fixed rate personal loan.

Unsecured Fixed Rate Flexible Personal Loan

Our Fixed Rate Flexible Personal Loan gives you the certainty of knowing what your repayments will be over the course of your loan. Your repayment amount is determined at the start of the loan. 

We don't charge any penalties for making additional repayments or early repayment on our fixed rate loans to give you additional flexibility and to allow you to repay your loan early.   

If you're looking to purchase a car, you can lock in a lower interest rate by using your new or used car as security with our Car Loan.


Interest rate % p.a.

Comparison rate % p.a. *

Unsecured Fixed Rate Flexible Personal Loan

10.99 11.71



At BOQ, we keep our fees to a minimum. Any fees we do have we’ll show you up front so there are no surprises.

Fee Type Amount

Application Fee


Monthly Maintenance Fee


A full list of fees can be found in our Fees and Charges Guide

Apply for personal loan

To apply for a BOQ Personal Loan, you must:
  • Be 18 years of age or older
  • Be applying for a loan of $3,000 or more
  • Have never been bankrupt
  • Be an Australian citizen or permanent resident
  • Have a regular, permanent income
What you'll need for your application
  • Proof of identity
  • Employment details
  • Financial details such as income, assets, expenses and liabilities.
Contact us below and we'll get back to you

Enquire online now

Important information

We can also help with:

Get moving with our Car Insurance

Car Insurance

When you get into a car accident or your car is stolen, the last thing you want to think about is how you're going to pay for everything. That's why we've got you covered.

  • Choose from Comprehensive and Third Party
  • Choose market value or agreed cover
  • Optional extras

Earn Q Rewards Points and enjoy perks

Platinum Visa Credit Card

Everything you need, with all of the Platinum Credit Card benefits. Including complimentary insurance and extended warranties (terms, conditions, limits and exclusions apply).

  • Earn 150,000 bonus Q Rewards® points when you spend $3,000 on Eligible Transactions in the first 90 days from approval1
  • 0% p.a. on balance transfers for 14 months, reverting to the cash advance rate thereafter. No fees on balance transfers. No interest free days apply to retail purchases while you have a balance transfer3
  • Earn 2 Q Rewards points for every dollar spent on Eligible Transactions 4