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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?

    Rates are personalised depending on your credit history, financial circumstances, loan purpose and how much you are looking to borrow over what time. Take a look at our easy to use Loan Calculator to estimate your rate.

  • Does Alex.Bank accept joint loan applications?

    No, at this stage we only accept applications in individual names.

  • 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.

  • Are there any fees?

    We’ve made our personal loan 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 make repayments?

    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!

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.

How do Alex.Bank's rates work?

Learn more about us

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

About us