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Personal Loans

Pay for the expected and unexpected with a personal loan.

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Whether it’s buying a car, home improvements, travel or consolidating debt, a personal loan can help you get there sooner. Explore our personal loan resources and find a product that meets your needs.

What we offer

Find the right personal loan for your needs

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New Car Loan

for Cars up to 4 years old

Get your new car sooner with an IMB New Car Loan with a great fixed rate and no penalties for early pay-out. No monthly account fees, flexible terms of 1 - 7 years and borrow up to $125,000.

New Car Loan Rate
6.24
%
p.a.
Comparison Rate1
6.59
%
p.a.

Secured Personal Loan

For vehicles up to 6 years old

Whether it’s buying a used car, planning your dream holiday or paying for a major purchase, a Secured Personal Loan can help. No monthly fees, flexible terms of 1 - 7 years and borrow up to $75,000.

Secured Personal Loan Rate
6.84
%
p.a.
Comparison Rate1
7.19
%
p.a.
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Unsecured Personal Loan

Get what you want sooner with an Unsecured Personal Loan. No security required, no monthly account fees, flexible terms of 1 - 7 years and borrow up to $50,000.

Unsecured Personal Loan Rate
8.98
%
p.a.
Comparison Rate1
9.34
%
p.a.

Personal loan resources

4 tips to buying your first home

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4 easy money saving tips

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Keeping bank accounts healthy

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How much can I borrow?

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New or used: what's the right car for you

Check out our quick guide to buying a new car versus a used one.

Your credit history

Just like actual world history affects many aspects of how we live today, your past behaviour with money can affect your future.

Debt consolidation: A smart way to get on top of your debts

Debt consolidation involves taking out a personal loan that can be used to pay off multiple other debts.

How much will my loan repayments be

Whether you’re looking to buy a car or travel, it can be a good idea to estimate loan repayments before applying for a personal loan.

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 Australian-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

Your security, our priority

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

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

Important Information

General

Information current as at date of appearance and subject to change. Lending criteria, terms and conditions, fees and charges apply.

You should consider the IMB Member Guide to Transaction Banking - Product Disclosure Statement before making a decision about this product. Target Market Determination available here. Fees and charges may apply, see the PDS – Fees, Charges and Limits for more details.

Rates and Features

1. The comparison rate is based on a $30,000 loan over 5 years for both unsecured and secured personal loans.. WARNING: This comparison rate is 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.