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Secured Fixed Standard Personal Loan

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Loan Term

years

Repayment Frequency

Secured Fixed Standard Personal Loan Pros and Cons

Pros:
  • No early exit penalty
  • Can apply online
  • Can apply in branch
Cons:
  • Monthly fee charged
  • Application fee charged
  • Requires security to be held
  • Has ongoing fees

Heritage Bank Secured Fixed Standard Personal Loan Fees and Features

New Car
New Car
Used Car
Used Car
Motorcycle
Motorcycle
Boat
Boat
Student Loan
Student Loan
Debt Consolidation
Debt Consolidation
Renovation
Renovation
Shares
Shares
Holidays
Holidays
Medical Bill
Medical Bill
Wedding
Wedding
Upfront Fee
Upfront Fee
$200
Ongoing Fee
Ongoing Fee
$5 monthly
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$30
Redraw Activation Fee
Redraw Activation Fee
$0
Repayment Type
Repayment Type
Fixed
Loan Type
Loan Type
Secured
Secured by vehicle
Secured by vehicle
Secured by property
Secured by property
Security by bank deposits
Security by bank deposits
Available to 457 Visa Holders
Available to 457 Visa Holders
Redraw Facility
Redraw Facility
Extra Repayments
Extra Repayments
Line of Credit
Line of Credit
New Car
New Car
Used Car
Used Car
Motorcycle
Motorcycle
Boat
Boat
Student Loan
Student Loan
Debt Consolidation
Debt Consolidation
Renovation
Renovation
Shares
Shares
Holidays
Holidays
Medical Bill
Medical Bill
Wedding
Wedding
Upfront Fee
Upfront Fee
$200
Ongoing Fee
Ongoing Fee
$5 monthly
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$30
Redraw Activation Fee
Redraw Activation Fee
$0
Repayment Type
Repayment Type
Fixed
Loan Type
Loan Type
Secured
Secured by vehicle
Secured by vehicle
Secured by property
Secured by property
Security by bank deposits
Security by bank deposits
Available to 457 Visa Holders
Available to 457 Visa Holders
Redraw Facility
Redraw Facility
Extra Repayments
Extra Repayments
Line of Credit
Line of Credit

Compare and review personal loans with similar features

Latitude Financial Services

Secured Personal Loan

Interest Rates
Advertised Rate
Advertised Rate
From
12.99%
fixed
Advertised Rate
From
6.99%
fixed
Advertised Rate
From
8.10%
fixed
Advertised Rate
From
8.95%
fixed
Comparison Rate
Comparison Rate
14.20%
Comparison Rate
7.69%
Comparison Rate
9.36%
Comparison Rate
10.56%
Monthly Repayment
Monthly Repayment
$682
Monthly Repayment
$594
Monthly Repayment
$610
Monthly Repayment
$622
Total Repayments
Total Repayments
$40,920
Total Repayments
$35,640
Total Repayments
$36,600
Total Repayments
$37,320
Loan amount
Loan amount
From $4k
Loan amount
$5k to $70k
Loan amount
$5k to $50k
Loan amount
$5k to $40k
Suitable For
Student Loan
Student Loan
Student Loan
Student Loan
Student Loan
Shares
Shares
Shares
Shares
Shares
Loan Fees
Upfront Fee
Upfront Fee
$250
Upfront Fee
$500
Upfront Fee
3%
of loan amount
Upfront Fee
$495
Ongoing Fee
Ongoing Fee
$13 monthly
Ongoing Fee
$0
Ongoing Fee
$0
Ongoing Fee
$13 monthly
Early Exit Penalty Fee
Early Exit Penalty Fee
$300
Early Exit Penalty Fee
$0
Early Exit Penalty Fee
$0
Early Exit Penalty Fee
Fee Applies
Missed Payment Penalty
Missed Payment Penalty
$35
Missed Payment Penalty
$15
Missed Payment Penalty
$35
Missed Payment Penalty
$35
Loan Profile
Loan Type
Loan Type
Secured
Loan Type
Unsecured
Loan Type
Unsecured
Loan Type
Unsecured
Secured by vehicle
Secured by vehicle
Secured by vehicle
Secured by vehicle
Secured by vehicle
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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.

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