Personal Loans made for your lifestyle
Whether you’re upgrading your car, hitting the water, renovating your home, or planning a special event, our personal loans are designed to fit your needs.
Choose from secured or unsecured options to finance your next adventure, milestone, or financial goal—all with the flexibility to make it happen, your way.
View our range of personal loans.
Rates effective from 18/02/2025.
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).
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.
Please note this information does not take into account your personal circumstances and is general advice only. Before opening any Capricornian account, please read the Conditions of Use and decide if the account is right for you. Interest rates are subject to change without notice and should be verified with your local Capricornian Branch.
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).
