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Product
Interest Rate
Comparison Rate#
Rate Type
Loan Type
Loan Term
Establishment Fee
Account Keeping Fee
Early Repayments
Early Repayment Fee
Minimum Amount
Maximum Amount
Deposit Required
Vehicle Age
Repayments Options
Qantas Points1
 
  Car Loan Qantas Points Car Loan Personal Loan Unsecured Personal Overdraft
Product
New or near new car, caravan, boat or motorcycle
New or near new car, caravan, boat or motorcycle
Used car, holiday, home renovations etc
Line of credit for everyday use
Interest Rate
7.09% pa
8.59% pa
11.64% pa
11.84% pa
Comparison Rate#
7.30% pa
8.80% pa
12.69% pa
N/A
Rate Type
Variable
Fixed
Variable
Variable
Loan Type
Secured
Secured
Unsecured
Unsecured
Loan Term
Up to 7 years
Up to 7 years
Up to 7 years
Ongoing
Establishment Fee
$150
$150
$150
$150
Account Keeping Fee
$0
$0
$0
$0
Early Repayments
yes
yes
yes
yes
Early Repayment Fee
no
yes2
no
no
Minimum Amount
$10,000
$15,000
$5,000
$500
Maximum Amount
$100,0003
$150,0003
$25,000
$20,000
Deposit Required
$0
$0
$0
$0
Vehicle Age
Up to 5 years old
Up to 5 years old
N/A
N/A
Repayment Options
Weekly, Fortnightly, Monthly
Weekly, Fortnightly, Monthly
Weekly, Fortnightly, Monthly
Weekly, Fortnightly, Monthly
Qantas Points1
no
yes
no
no
 

 

  Important Information

Loans are subject to approval. Terms and conditions, normal lending criteria and fees and charges apply and are available upon request.

1. Qantas Points accrue in accordance with and subject to the Qantas Points Banking Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply, however, Qudos Bank has arranged to provide Qantas Frequent Flyer membership with the joining fee waived to Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffqudos. Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at qantas.com/terms. This offer is non transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.

2. Break costs may apply. Calculation of any breaks costs are detailed in Loan Contract.

3. A maximum amount of $150,000 applies for vehicles up to 3 years old and $75,000 for vehicles between 3 and 5 years old.

Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking Products and is a credit provider and credit licensee under National Consumer Credit laws.

#WARNING: Comparison rates apply to the example or the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Our comparison rate assumes a monthly repayment frequency and an unsecured loan of $10,000 with a term of 3 years, or a secured loan of $30,000 with a term of 5 years (as applicable).

Before opening a personal loan with us, you should read the Qantas Points Banking Terms and Conditions, our Financial Services Guide and to see our terms and conditions, call us on 1300 747 747.

Rates current as at 24 July 2018.