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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. 

 

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Have trouble deciding which personal loan suits you best?

Use our comparison tool to compare all features side by side and find your best fit.

Variable Rate Personal Loans
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
Fixed Rate Personal Loans
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
Variable Rate Debt Consolidation Loans
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
Fixed Rate Debt Consolidation Loans
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
New Car Loans up to 12 Months
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
Used Car Loans 1-5 Years
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
Used Car Loans Over 5 Years
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. 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.).