Personal Loan

Perfect for your dream holiday, kids education, a boat or caravan or to consolidate your debts. Whatever the purpose Geelong Bank can offer you a loan to suit your personal needs.

✓ Free online redraw
✓ Make extra repayments without penalty
✓ Make repayments weekly, fortnightly or monthly

From 9.95 % p.a. Interest rate 10.27 % p.a. Comparison rate

Product Features:

Personal Loan Features
Minimum Amount : $1,000
Maximum Term : Up to 7 years
Establishment Fee : $220
Redraw Facility : Yes
Redraw Fee : $0
Repayment Frequency : Weekly, fortnightly or monthly
Additional Repayments Accepted : Yes


Read our most frequently asked questions below or view all our Personal Loan FAQs

The minimum amount you can borrow is $1,000 for a Personal Loan (secured or unsecured). You may wish to consider a credit card for smaller amounts. The maximum amount you can borrow will depend upon your circumstances. Secured loans are dependent upon the security offered. In all circumstances our personal loans are limited by your ability to meet your repayments. Wish to calculate how much you could borrow? Use our Loan Calculator.

Geelong Bank is a mutual financial services organisation and as such is owned by its members, each one of whom is a shareholder. Therefore you must be a member of Geelong Bank to have a loan.

Geelong Bank gives you the option of making extra repayments on your loan and then having the flexibility of being able to redraw on these extra repayments. The quicker you pay out your loan the more money you save in interest charges. We do not charge a fee for early repayment of your loan.


Documents & Forms


Personal Loan – Secured P&I


Personal Loan - Unsecured

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  • 1 Comparison rates are based on a secured loan of $30,000 over a term of 5 years. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
  • 2 You must be at least one months repayment in advance plus $100 to obtain a redraw.