Secured Personal Loan

  • A secured personal loan that offers a competitive fixed interest rate for terms between 1 and 7 years.
  • Fixed interest rate 7.79% p.a, comparison rate* 8.51% p.a.
  • Choose between weekly, fortnightly and monthly repayments. The free online redraw facility means you can make additional payments in the knowledge you can redraw them at any time.
  • There are no fixed break costs, with an early repayment fee of only $20.
  • Low application and ongoing fees apply, full details can be found in the Lending fees and charges
  • Full list of interest rates available.


How to apply for a loan

This simple process makes it easy for you to access your personal loan:

  • Select the loan that is most suited to you

  • Apply online or contact us

  • Send supporting documentation so that we can finalise your application

  • Receive a response to your application and you’ll be one step closer to getting that new car, holiday, caravan, home improvements, whatever in no time at all.


Things you should know

Terms and conditions, fees and charges apply. All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply.

Target Market Determinations for products are available.

*Important information about comparison rate: The comparison rates displayed are calculated for secured personal loans with a loan amount of $30,000 and a term of 5 years, for unsecured personal loans the loan amount is $10,000 with a term of 3 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.

1 %
success rate
1 /7

To be eligible for a Personal Loan you need to:

  • have a Capecoast Finance account with a Direct Debit facility 
  • have an annual income/pension before tax of $ 10,000 or more
  • be over 18 and a resident of Australia

We do not offer our Personal Loans for a number of purposes including:

  • The purchase of property or land (both US & Overseas) including holiday homes and apartments
  • Purchasing a joint stake in a property or buying out a joint owner
  • Mortgage deposit (regardless of lender or country)
  • Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees

In addition, our Personal Loan should not be provided for:

  • Gambling
  • Business purposes
  • Share dealing

Please note that this list is not exhaustive.

Our Personal Loans are subject to status.


Lets Get Your Started

Find the personal loan that best suits you.