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Bendigo & Adelaide Bank Personal Loans

In 2007, Bendigo Bank merged with Adelaide Bank to form the Bendigo and Adelaide Bank Group of companies, or what’s commonly known as Bendigo Bank today. The unique strengths of Adelaide Bank in wholesale finance and Bendigo in retail banking have combined and grown to be one of Australia’s largest retail banks. They’ve grown to serve over 300 communities, families and businesses, and over 1.3 million customers.

Bendigo and Adelaide Bank’s head office is located in the central Victorian city of Bendigo, with the business mostly operating in Victoria and Queensland. The bank has extensive experience in communities and joint ventures and continues to provide customers with quality personal service and a broad selection of personal loan products and advice. Bendigo Bank is now a publicly-listed company on the Australian Stock Exchange.

Bendigo Bank personal loan repayment calculator

Thinking about taking out a personal loan with Bendigo Bank? Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how Bendigo Bank personal loans compare with other options.

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Bendigo Bank Personal Loans rates

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Features of a Bendigo and Adelaide Bank personal loan

Bendigo and Adelaide Bank offers a range of personal loan products, including secured and unsecured personal loans, student loans and a Generation Green personal loan. The Generation Green personal loan rewards borrowers for environmentally friendly purchases, and in some cases, may offer a discount off the interest rate.

Approved borrowers can take out loans of between $2,000 and $50,000, depending on the purpose of the personal loan and serviceability. Loan terms range between one to seven years, and borrowers can choose between weekly, fortnightly and monthly repayments.

Bendigo and Adelaide Bank personal loans come with a number of flexible features, such as redraw facilities and the option to make extra repayments.

Bendigo and Adelaide Bank personal loans can be used for a range of different purposes including:

  • Debt consolidation
  • Car financing
  • Wedding financing
  • Holidays
  • Investing
  • Wide range of other uses
  • Environmentally friendly purchases

Bendigo and Adelaide Bank personal loans – customer service

Customers looking to contact Bendigo and Adelaide Bank customer service can call a personal banking hotline, send an online enquiry form or pop into a branch.

Other ways to contact Bendigo and Adelaide Bank include:

  • Online banking
  • Mobile banker
  • Email
  • Phone

Who is eligible for a Bendigo and Adelaide Bank personal loan?

To be eligible for a Bendigo and Adelaide Bank personal loan, you’ll need to meet the following criteria:

  • Be at least 18 years old  
  • Be an Australian citizen, permanent resident or have a valid visa
  • Be an Australian citizen or permanent resident
  • Use the loan for personal use only
  • Not currently bankrupt or in financial hardship

How to apply for a Bendigo and Adelaide Bank personal loan?

Applications for a Bendigo and Adelaide personal loan can be made online, over the phone or in store. The online application process takes around 10 minutes to complete and involves the following steps:

  • Once you’ve compared and selected a personal loan, apply on the Bendigo and Adelaide website
  • Once completed, your application will be reviewed
  • Bendigo and Adelaide will contact you about your application within 2 business days
  • Upon final approval, the funds will be credited to your loan account

At the time of application, you’ll need to provide the following documentation:

  • Proof of identity
  • Proof of income and employment
  • Details of any other financial commitments

Bendigo and Adelaide Bank personal loans review

Bendigo and Adelaide Bank offers a broad range of personal loans to suit a variety of borrowers. Its loans come with a range of flexible features, such as extra repayments and redraw facilities that are likely to appeal to many borrowers looking for personal loans. Borrowers also have the option of choosing between weekly, fortnightly and monthly repayments with terms up to 7 years.

Bendigo and Adelaide offer environmentally-friendly borrowers the option of applying for a Generation Green Personal Loan which rewards you if you use your loan to purchase environmentally-friendly vehicles, solar hot water, grey water treatment systems or top energy-saving white goods. Secured Bendigo and Adelaide personal loans have moderately low interest rates, however, it’s worth noting that borrowers will pay an application fee as well as an ongoing monthly loan fee.


Personal loans may require a borrower to provide proof of identity, proof of residence, details of any other outstanding loans (including credit cards), details of assets they own (e.g. savings, car, property), and proof of income.

While borrowers in full-time or part-time employment can often provide payslips and similar documents to prove their income, self-employed borrowers may need to provide other information, such as bank statements or tax returns, to demonstrate that their income can cover a loan’s repayments.


^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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