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Get an estimate of how much your payments could be by adjusting the loan amount and loan term below. We’ll give you an indicative view of what your personalised rate might be based on your credit position.

The Alex.Bank Guide to Personal Loans

Find our how personal loans work, what they can be used for, how they could help you save money, and tips on how to choose a personal loan that’s right for you.

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Frequently asked questions

  • How is my personalised rate determined?

    Your rate is tailored just for you based on a few key factors: your credit history, financial situation, the purpose of your loan, and how much you want to borrow over what period. To get a quick estimate of your rate, try our easy-to-use Loan Calculator.

  • Does Alex.Bank accept joint loan applications?

    Not at the moment - right now, we only accept applications in individual names. But we're always looking to expand our offerings, so stay tuned for any updates!

  • Are there any fees?

    We’ve made our loans as fair as possible with no ongoing or early repayment fees.

    • $0 Establishment fee (unsecured personal loan, unsecured green loan)
    • $295 Establishment fee (secured car loan, secured EV car loan)
    • $0 monthly account fees
    • $0 early repayment fees
    • $0 late payment fees

    See our credit fee guide for more information.

  • How often can I pay off my loan?

    We’re flexible. You can make weekly, fortnightly or monthly payments. You can also pay out your entire loan amount at any time without any extra fees. We won’t penalise you for getting ahead!

  • Can I apply if I don’t have suitable ID?

    No, we must be able to identify you with the following identification types on our online ID systems:

    • Australian Driver’s Licence: acceptable for all loan applications

    • Australian Passport: acceptable for unsecured personal loans and unsecured green loans only.

How do our rates work?

Life isn’t one size fits all, and neither is your financial position. That’s why our Personal Loan rates are personalised.

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Learn more about us

We’re a digital-first bank passionate about building the future of banking in Australia.

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