Borrow over $5,000 with either a secured or unsecured personal loan from Latitude. Interest rates will depend on your credit score.
3 things you should know about this loan
Personalised interest rates. Your interest rate will depend on your financial situation, residency, assets, employment and credit score.
Variable rates. The interest rate can change over the life of the loan based on the market, and can either increase or decrease.
Secured or unsecured. You can either secure the loan with an asset or opt for an unsecured loan.
Finder exclusive:
Get 2% p.a. off your interest rate and a $100 Finder Reward Visa Gift card when you apply through Finder by 31 Aug 2026 and settle your loan by 20 Sep 2026. Rates shown above already apply the 2% p.a. rate discount.
T&Cs apply.
Pros
Tailored interest rate
Low minimum borrowing amount
Secured or unsecured
Cons
$16.50 monthly fee
Early repayment fees may be charged
Fairly high minimum and maximum interest rates
In this guide
Review
Details
Product details
How does Latitude personal loan works?
Eligibility criteria
How to apply
Features of this loan
How much does the Latitude personal loan cost?
Your reviews
Details
Product details
Product Name
Latitude Variable Rate Unsecured Personal Loan - Finder Exclusive
Interest Rate (p.a.)
7.99% to 27.39%
Comparison rate (p.a.)
9.68% to 28.97%
Interest Rate Type
Variable
Min Loan Amount
$5,000
Max. Loan Amount
$200,000
Loan Security
Secured or Unsecured
FINDER REWARDS EXCLUSIVE
Personal Loans
ENDS SOON
Get $100 from Finder
Apply for an eligible Latitude Personal Loan through Finder by 31 Aug 2026. Have your loan approved and settled by 20 Sep 2026 to receive a $100 Visa digital gift card.
T&Cs and limits apply.
Bottom 31% of 124 unsecured personal loans benchmarked
This productMarket average
How does Latitude personal loan works?
You can choose to get a secured or unsecured personal loan from Latitude. It offers personalised interest rates based on your credit score and on a range of factors such as your employment status, your residential status and whether you’re a homeowner or have a mortgage.
Eligibility criteria
To be eligible for the loan, you must meet the following criteria:
Be over 18 years old.
Be a permanent resident or citizen of Australia.
Be employed and receive regular income.
Be able to demonstrate good credit history for the last 5 years.
Be free from bankruptcy for the last 7 years.
Be a Latitude Personal Loan customer.
How to apply
You can apply for the loan through the Latitude Financial Services website. You can check the interest rate you're eligible for without impacting your credit score. You need to provide payslips, bank statements and identification documents. You will receive a response in 60 seconds, and if approved, receive funding within 24 hours. Keeping your documents at hand will help speed up the process.
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Features of this loan
Variable rate. With a variable rate, your interest payments may either increase or decrease based on the market interest rate.
Personalised rates. Your interest rate is based on your personal circumstances and credit score. How long you've been employed, whether you own a home or have a mortgage and your residential status all influence your interest rate. If your risk profile is low, you will receive a lower rate. If your risk profile is higher, your rate will also be higher.
Extra repayments. You can make extra repayments with no early termination fee if you're on a variable rate. Fixed rate loans will come with a $500 penalty if you repay with more than 3 months left on the loan.
Flexible repayments. You can make weekly, fortnightly or monthly repayments. You can also choose the day of the week on which your repayments should be deducted.
Terms up to 7 years. The length of your loan can range from 2 years to 7 years.
How much does the Latitude personal loan cost?
These are the costs associated with this loan:
Loan principal.
Variable personalised interest charges ranging from 7.99% p.a. to 27.39% p.a.
Loan service fee of $16.50 per month.
Payment handling fee of $1.95 for using BPAY.
Other fees that may apply include the following:
Late payment fee of $45
Sources
Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
Elizabeth Barry is an experienced journalist with over 10 years of expertise in personal finance, contributing to outlets like the ABC, Sydney Morning Herald, and 7News. She holds a Master of Arts in Creative Writing and a Bachelor of Arts in Communication from the University of Technology Sydney, and has earned multiple award nominations, including a Highly Commended recognition at the 2017 Lizzies. Elizabeth began her career at Finder in 2013, progressing through roles to become Lead Editor, where she oversaw a wide range of personal finance coverage until 2024.
See full profile
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