Personal Loan

An online personal loan made easy.

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Personal loan

Fixed rate up to 5 years

Fixed rate

8.99% p.a. 1

Comparison rate:

10.02% p.a. *


An unsecured loan for just about any worthwhile purpose.


Borrow from as little as $3,000 with loan terms from 1-5 years.

Peace of mind

You can make extra repayments and redraw funds in advance if you need it.


Monthly fee

We'll simply add this to your account each month


Application fee

We'll simply add this to your loan.


Year loan terms

Spread your loan over 1-5 years.


Min loan amount

Fund even your small dreams.

Prefer card access?

Our low rate credit card comes with limits from $500 and gives you the added benefit of card access to shop, pay bills and more. It has the same low rate of 8.99%p.a. 2 on purchases and cash advances while offering 0%p.a. on balances transferred for the first 12 months. 3

Find out more

How to apply

You can apply online or over the phone for a quick response.

You can apply if you:

  • Are over 18 years of age
  • Have a regular income
  • Are not or have not been bankrupt (including Part IX agreements)
  • Are an Australian citizen or a permanent resident
  • Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
  • Have been in your current job longer than 6 months
  • Have an acceptable Credit Risk Profile (Credit Score)

  • Your personal details, such as your current and previous address, phone number and email address
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.

Easy Street is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts.

The types of documentation we will request from you may vary between applicants due to differences in individual situations and the type of loan you are applying for. The following are some examples of documentation you may be asked to provide.

  • Last 2 years full Tax Returns and financials/profit & loss statements for both of your personal and/or company tax returns to support your Self Employed income, and last 2 pay slips for other applicants
  • Proof of any rental income for properties via real estate statement or copy of executed lease
  • Latest Notice Of Assessments for each applicant
  • Last 3 months most recent everyday transaction account statements where your income is credited to.
  • Last 3 months statements of any loans or credit cards you are refinancing to us
  • Copy of current rates notice if it is a mortgage application
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Check your repayments

Using our loan repayment calculator you can estimate your repayments and interest payable for different amounts and terms. 

Try it out
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Going on holiday?

Have a read through our 5 tips to enjoy a well-deserved vacation with less financial stress and packed with extra value!


Fees and charges

For a full list of fees and charges refer to our latest schedule.

You can view Target Market Determinations here

Credit eligibility criteria, terms & conditions, fees & charges apply. Details available on application.

1 Rate is current as at 4/4/24 and subject to change without notice.
2 Rates are current as at 31/03/2018 and subject to change without notice.
3 Offer terms and conditions: Rate is current as at 5 March 2024 and subject to change without notice. This is an introductory rate for 12 months only on balance transfers from the date the balance transfer is processed. After the initial 12 month introductory period, the interest rate for the balance transferred will revert back to the standard credit card rate at the time - currently this is 8.99% p.a. Offer available for new and existing card holders where new balances are transferred to the card and offer can be withdrawn at any time. Excludes Balance Transfers from Community First or Easy Street cards.

*The comparison rate is based on an unsecured loan amount of $30,000 over a loan term of 5 years. 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.