Heritage Bank Personal Loans

Heritage Bank is Australia’s largest customer-owned bank. It has been in operation since 1875 and gone through several mergers and name changes to eventually emerge as Heritage Bank in 2011. As a mutual, its members are its shareholders and have a say in how the bank is run.

Heritage Bank offers a variety of products and services to its members, including home loans, personal loans, credit cards, term deposits, insurance products and wealth planning.

Features of a Heritage Bank personal loan

Heritage Bank has a range of personal loans to suit different borrower profiles and preferences. Some of its options include unsecured, secured, fixed and variable personal loans. The standard personal loan is designed for borrowers who wish to take out loans of $5000 or more and make their repayments weekly or fortnightly. The loan amount can be paid back over a period of up to five years for fixed rate personal loans or up to 10 years for variable rate personal loans. Borrowers also have the ability to make extra, lump sum repayments if they have the capacity and then redraw those repayments if needed. The maximum loan amount for unsecured loans is $25,000, while borrowers with secured loans can take up to $100,000, subject to eligibility and approval.

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