Smart Personal Loan

Great interest rates and features with secured and unsecured personal loans. Tiered interest rates based on the level of security, secure your loan with a vehicle or term deposit. That’s smart thinking.


Get pre-approval and shop around with confidence - knowing what you can afford

View more info

Joint Applications

Increase your eligibility and borrowing power by getting a joint loan

View more info

Additional Repayments

Available on variable loans. Maximum of $10,000 on fixed loans per annum.

View more info

Flexible Repayments

Choose either weekly, fortnightly or monthly repayments

View more info

Add Security

Secure your personal loan with a vehicle or term deposit to get a lower interest rate

View more info

Low Fees

Low ongoing fees for all car loans - helping you manage your money smartly

View more info

Personal Loan RatesLeft Heading Text.

See the Target Market Determination (TMD) Disclosures for this product to see if it suits your needs.

*Comparison rate warning and T&Cs apply.

Enquire Online

Table Heading Text.

Unsecured Interest rate Comparison rate*
Smart Personal Loan (Variable)
Loan term 1 to 5 years
$50,000 maximum loan
11.99 % p.a. 12.81 % p.a.1
Smart Personal Loan (Fixed)
Loan term 1 to 5 years
$50,000 maximum loan
10.99 % p.a. 11.82 % p.a.1

Personal Loan FeesLeft Heading Text.

Left Description Text.

Establishment fee $200
Monthly fee $8
Annual fee $0
Redraw fee $0

Thumbnail Image

Speak with a Lending Specialist

Our Lending Specialists can help you decide on a home loan which best suits your personal circumstances and needs. Each of our lenders have over 20 years’ experience and can walk you through the process. Arrange a no-obligation appointment now.

Enquire Now

Important Information

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Credit eligibility criteria, terms and conditions, fees and charges apply.

Please refer to the Target Market Determination (TMD) in Disclosures to see if this product suits you.

Northern Inland reserves the right to withdraw, extend or vary this offer.

1 This rate applies to personal loans with 5 year terms for $30,000.
2 This rate applies to personal loans with 7 year terms for $50,000.
Make a maximum of $10,000 extra repayments per annum during any fixed rate period.