Special Unsecured Personal Loan
Finance Life’s Big Moments
Got big plans for a wedding, renovation, or holiday?
Our unsecured personal loans can help fund those dreams—whether it’s covering wedding costs, transforming your home, or booking that perfect getaway. If you’re looking to simplify your finances, consolidating debts with one easy repayment could help.
Whatever your goal, we’re here to help you take the next step with confidence.
Repayment calculator
Work out how much you may be able to borrow.
Personal Loan Repayments Calculator- Available to individuals*
- No annual or monthly loan fees
- Application fee of $250 applies
- No early payout fees
- Additional repayments without penalty
- Redraw facility available via online banking or the Cap App
- Flexible repayment options: weekly, fortnightly or monthly
- Maximum loan term of five years
- New Funds: Minimum Loan Amount $3,000 – Maximum Loan Amount $30,000
| Loan Type | Variable Interest Rate | Comparison Rate 1 |
|---|---|---|
| Special unsecured personal loan (term up to 5 years) | 9.99% | 10.36% |
Rates effective from 18/02/2025
Purpose:
- Are seeking a loan for a worthwhile purpose including to make a purchase or to consolidate an existing debt;
- Are unable or unwilling to offer security for the loan, even though that means a higher interest rate will apply
Credit eligibility criteria, terms and conditions, fees and charges apply. The Capricornian Ltd. ABN 54 087 650 940. AFSL/Australian Credit Licence 246780.
¹This comparison rate is based on a secured loan of $30,000 over five (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. Interest rate will be based on a number of factors, including the information provided, ability to offer acceptable security where value is more or equivalent to the value of the loan and the assessment of the application.
*Product not available to business customers.
**No ongoing monthly or annual fees for the duration of the loan.
Secured and unsecured personal loan special products available to individuals only on new funds.
Consider the relevant Target Market Determination (TMD).
You are eligible to apply for a personal loan if you are over 18 years of age, are a permanent resident in Australia and meet the credit assessment criteria for the product. If you are not an existing Capricornian Member, it is necessary to become a member before the loan is approved.
In order to assess your loan application, we require:
- Personal Identification
- Income verification
- Evidence of liabilities and assets
View other requirements on this information sheet.
You can make repayments weekly, fortnightly or monthly, provided your minimum monthly repayment amount has been paid into the loan by the due date.
Yes, you can make extra repayments as often as you like, without penalty.
Your loan approval is valid for two (2) months from the date the approval is provided, as long as the details provided on your original application have not changed. (e.g. you are still with the same employer).
