Use our handy Loan Repayment Calculator to see how much your loan will cost each week, fortnight or month.
It doesn't matter if you need to pay for a wedding, buy a car, start some renovations or consolidate your debts, Gateway Bank has a personal loan that suits you, featuring competitive rates and great features. Whether you want to flexibility of a variable interest rate, or the security of a fixed rate, you can use our loans to find your dream car, upgrade your lifestyle or help manage debt. Or if life throws you a surprise, our online application process is available 24 hours a day, means you can get approved for your loan faster.
Take control of your finances and apply online for one of our award winning personal loans, or click through any of our personal loan or car loan products to find out more information.
If you’re in the market for a new car, you may have noticed many car dealerships offering eye-catching 0% p.a. car finance deals. You may be wondering how it’s possible to purchase a vehicle at such a low interest rate.
| Interest Rate Per Annum (Annual Percentage Rate) | 9.84% per annum |
| Comparison Rate | 10.87% per annum* |
| Maximum Loan Term | 7 years |
| Minimum Loan Term | No minimum term |
| Establishment Fee | $149 |
| Additional Payments Accepted | Yes |
| Additional Payments Fee | $0 |
| Monthly Fee | $0 |
| Annual Fee | $0 |
| Discharge Fee | $0 |
| Other fees & charges | Nil |
| Fact Sheet | View fact sheet here |
| Interest Rate Per Annum (Annual Percentage Rate) | 10.59% per annum |
| Comparison Rate | 11.63% per annum* |
| Maximum Loan Term | 5 years |
| Minimum Loan Term | 1 year |
| Establishment Fee | $149 |
| Additional Payments Accepted | Yes |
| Additional Payments Fee | $0 |
| Monthly Fee | $0 |
| Annual Fee | $0 |
| Discharge Fee | $0 |
| Other fees & charges | Nil |
| Fact Sheet | View fact sheet here |
| Interest Rate Per Annum (Annual Percentage Rate) | 11.84% per annum |
| Comparison Rate | 12.89% per annum* |
| Maximum Loan Term | 7 years |
| Minimum Loan Term | No minimum term |
| Establishment Fee | $149 |
| Additional Payments Accepted | Yes |
| Additional Payments Fee | $0 |
| Monthly Fee | $0 |
| Annual Fee | $0 |
| Discharge Fee | $0 |
| Other fees & charges | Nil |
| Fact Sheet | View fact sheet here |
| Interest Rate Per Annum (Annual Percentage Rate) | 12.59% per annum |
| Comparison Rate | 13.64% per annum* |
| Maximum Loan Term | 5 years |
| Minimum Loan Term | 1 year |
| Establishment Fee | $149 |
| Additional Payments Accepted | Yes |
| Additional Payments Fee | $0 |
| Monthly Fee | $0 |
| Annual Fee | $0 |
| Discharge Fee | $0 |
| Other fees & charges | Nil |
| Fact Sheet | View fact sheet here |
| Interest Rate Per Annum (Annual Percentage Rate) | 7.04% per annum |
| Comparison Rate | 7.25% per annum^ |
| Maximum Loan Term | 7 years |
| Minimum Loan Term | No minimum term |
| Establishment Fee | $149 |
| Additional Payments Accepted | Yes |
| Additional Payments Fee | $0 |
| Monthly Fee | $0 |
| Annual Fee | $0 |
| Discharge Fee | $0 |
| Other fees & charges | Nil |
| Fact Sheet | View fact sheet here |
| Interest Rate Per Annum (Annual Percentage Rate) | 5.99% per annum |
| Comparison Rate | 6.20% per annum^ |
| Maximum Loan Term | 5 years |
| Minimum Loan Term | No minimum term |
| Establishment Fee | $149 |
| Additional Payments Accepted | Yes |
| Additional Payments Fee | $0 |
| Monthly Fee | $0 |
| Annual Fee | $0 |
| Discharge Fee | $0 |
| Other fees & charges | Nil |
| Fact Sheet | View fact sheet here |
| Interest Rate Per Annum (Annual Percentage Rate) | 9.74% per annum |
| Comparison Rate | 9.95% per annum^ |
| Maximum Loan Term | 5 years |
| Minimum Loan Term | No minimum term |
| Establishment Fee | $149 |
| Additional Payments Accepted | Yes |
| Additional Payments Fee | $0 |
| Monthly Fee | $0 |
| Annual Fee | $0 |
| Discharge Fee | $0 |
| Other fees & charges | Nil |
| Fact Sheet | View fact sheet here |
Rates advertised apply to principal and interest repayment types only. Gateway reserves the right to vary these interest rates at any time. Interest rates quoted are for new lending only. Existing borrowers should contact Gateway to discuss their requirements. Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are included in the loan offer. Fees and charges apply.
^ Comparison rate is calculated based on a secured loan amount of $30,000 over a 5 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
* Comparison rate is calculated based on an unsecured personal loan amount of $10,000 over a 3 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Personal Loan Representative Example: Based on a loan of $10,000 over 36 months a borrower taking out a Variable Personal Loan can expect to pay a total of $ 11,738. This represents a comparison rate of 10.87% p.a. and includes all interest and fees included in your loan repayments over the life of the loan. Gateway Bank personal loans are available with no minimum payment term, to a maximum of 7 years. Interest rates range from 9.84% p.a. (comparison rate 10.97% p.a.) to 12.59% p.a. (comparison rate 13.64% p.a.).
