Personal Loans

Personal Line of Credit

Linked to your everyday banking account, so you have the simplicity of managing one account with the added benefit of easy access to extra funds as you need them.


% p.a

Interest Rate


If you want the security of having extra money on hand, an IMB Personal Credit Line is ideal, with:

Easy access to extra funds

Only pay interest on what you use

Fast approval process (lending criteria applies)

Get an IMB Visa Debit Card1 and tap and pay securely with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay  

Other features

How to access

Eligibility criteria

Interest rates

Limit amount

Interest Rate

$500 - $20,000


% p.a.

Applying for a personal loan is easy

Compare your options

You can also use our personal loan calculator to see how much your repayments will be.

Apply online in under 10 minutes

Our digital personal loan application let's you get started on your own.

Need support?

Contact us

Get in touch with one of our Australia-based team.

Locate us

Our friendly branch staff are looking forward to helping you achieve your financial goals.

Got a question on Personal Loans?

Can I do weekly/fortnightly repayments on a personal loan?

Are there any ongoing fees on personal loans?

Can you pay the personal loan out early?

Do your personal loans have redraw?

Do you offer balloon payments on car loans?

How We Can Help

We've been supporting our members for over 140 years

Chat with us online, on a phone, video call or in person.

Empowering our users with streamlined digital banking solutions.

Disaster relief support and help through financial stress.

About IMB

why us

IMB Bank is one of the most enduring financial institutions in the country, helping people achieve their financial goals for over 140 years.

Find out more

Your security, our priority

Security is a fundamental right for our customers, and we hold it as one of our core values.

Important Information


Information current at date of appearance and subject to change. Lending criteria, terms and conditions apply. Fees and charges may apply, see the PDS – Fees, Charges and Limits for more details. You should consider the IMB Member Guide to Transaction Banking - Product Disclosure Statement before making a decision about IMB products and facilities. Target Market Determination available here.

Rates and features 

1. $1.60 monthly VISA Debit Card fee applies. IMB Visa Debit Card is only available to Members aged 18 years and over.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd. Fitbit Pay is a trademark of Fitbit Inc. in the U.S. and other countries. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.