1. Home
  2. Personal Loans
  3. Companies
  4. Heritage Bank
Heritage Bank logo

Heritage Bank personal loans

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

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

Content updated

Product data updated

Why choose Heritage Bank


  • No early exit penalty
  • Can apply online
  • Can apply in branch


  • Application fee charged
  • Monthly fee charged
  • Not the lowest rate on the market

Heritage Bank Personal Loans

Personal Loans calculator

Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.


Your estimated repayments


based on a $30,000 loan for 5 years at -

Total loan repayments


Total interest charged


About our expert

Did you find this page helpful?

^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, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.