Heritage Bank – loan
Personal loans up to $100 000
Loan amount
$5,000 – $100,000
Interest from
7.99%
Term
1 – 7 months
Approval
24 hours
Applying does not commit you to a contract.
Properties of this loan
- Personal loans up to $100 000
- Term 1 - 7 years
Heritage Bank was one of Australia's largest customer-owned mutual banks before merging with People's Choice Credit Union in 2023 to form Heritage and People's Choice (trading as People's Choice / Heritage Bank), offering unsecured personal loans among its retail banking range.
✓ Pros
- Customer-owned mutual banking heritage
- No security required for this personal loan product
- Established Queensland-founded bank with a long operating history
- Member-focused service model
✗ Cons
- Brand has merged with People's Choice, which may cause confusion for some applicants
- Smaller branch footprint than the big four banks
- Advertised rate depends on individual credit assessment
How to apply
- Check your eligibility
- Apply online
- Approval
Loan requirements
- ✓ 18 years or older
- ✓ Australian citizen or permanent resident
- ✓ Regular income from employment or other verifiable source
- ✓ Active Australian bank account
- ✓ Valid driver's licence or passport for ID verification
Frequently asked questions
24 hours
The minimum loan amount at Heritage Bank is $5,000.
About Heritage Bank Limited
| Company | Heritage Bank Limited |
|---|---|
| Address | Heritage Plaza, 400 Ruthven St, Toowoomba City QLD 4350 |
| Website | https://service.heritage.com.au |