Personal Loans

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How you could use a personal loan

Vehicle purchase

Time for a new car? Our personal loan allows you to get the car you want, when you want and need it.

Debt Consolidation

This allows you to combine all of your debts into only one loan, allowing you to feel in control of your finances.

Any worthwhile purchase

There is no list that covers all the reasons why you may need extra funds, which is why our personal loan is available for almost any purpose.

Rates

Secured personal loans

7.99% to 19.99%

Fixed rates

8.63% to 20.48%

Comparison rates

Unsecured personal loans

8.99% to 21.99%

Fixed Rates

9.61% to 22.46%

Comparison Rates

Fees & Charges

Establishment fee

$385.00
Monthly administration fee

$5.50 p/month

Why choose a Bluebay personal loan?

Variety of loan types

Whether it is a new car, holiday or even wedding day funds you require, our personal loan can be used for a variety of purposes.

Easy to use app

Download our Bluebay Home Loans app and stay up to date with your loan. View your balance, terms, interest rate and more all at your fingertips.

Simple process

You want a personal loan, not a mountain of paperwork. Apply online in under 10 minutes and receive an application response in under 60 seconds. Once you are approved you will then have your funds within 24 hours.

The details you want to know

Fixed Rate

For the life of the loan

Loan amounts

From $5,000
Repayments

Weekly, fortnightly, monthly
When

Choose the day of the week your repayments are deducted
Loan terms

1-7 years

Loan types

Secured and unsecured
Other benefits

Unlimited free disbursement, extra repayments accepted

How it works

Considering a Bluebay Home Loans personal loan? Here’s how it works:

Complete our online application and provide the required documents, such as payslips and ID
You will then receive an application response in under 60 seconds
Electronically sign and return your loan contract
Obtain your new funds within 24 hours of approval. It’s that simple

Eligibility

Our criteria is standard as we want to help you get the funds you need, when you need them. To be eligible for a Bluebay Home Loans personal loan, you must:

Be over the age of 18
Be a permanent Australian resident
Have current employment
Demonstrate a good credit history for the past 5 years
Have had no bankruptcy in the past 7 years

Finance can be confusing, and we know you have questions. That’s where we can help, by giving you the answers you need to put you in control. 

The minimum amount you can borrow is $5,000 and the maximum is dependant on your circumstances and financial situation.

You control how often you would like to make your repayments. Choose from weekly, fortnightly or monthly by direct debit.

You can expect to receive our approval decision within 1-2 working days of submitting your application.

No. You are in control of your payments which means you can make extra ones whenever you choose.

Apply online now

Why wait to access the funds you need when you can have them now? Receive an application response in under 60 seconds and funds within 24 hours of approval.

Apply now

Call us on 1300 258 229

* Important information

^ Terms and conditions apply, approved customers only for a Bluebay Home Loans Personal Loan. All applications are subject to lending and approval criteria. Excellent Credit Rating is as determined by a number of factors included within the Application process. Loan terms range from 1-7 years.

Bluebay Home Loans Personal Loan rates range from 7.99%* p.a. to 19.99%* p.a. for secured loans (comparison rates 8.63% p.a. to 20.48% p.a.) and 8.99% p.a. to 21.99% p.a. for unsecured loans (comparison rates 9.61% p.a. to 22.46% p.a.) The Comparison rate for the above products are based on $30,000 over 5 years.

WARNING: These comparison rates apply only to the example or examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Results from the calculators should be used as an indication only, and they do not represent either a quote or pre-qualification or approval for a loan. The calculator should only be used as a guide to see how loan repayments can vary when you change the loan amount, interest rate and loan term. Fees and charges are payable and the calculators do not take these into account.