Personal Loans

$5,000 - $10,000 (protected)1
Interest rate
15.95 % p.a
Comparison rate
17.78 % p.a*
$5,000 - $10,000 (unprotected)
Interest rate
19.95 % p.a
Comparison rate
21.83 % p.a*
$10,000 + Unsecured / Partly Secured (protected)1
Interest rate
12.95 % p.a
Comparison rate
13.34 % p.a**
$10,000 + Unsecured / Partly Secured (unprotected)
Interest rate
16.95 % p.a
Comparison rate
17.36 % p.a**
$10,000 + Fully Secured (protected)1
Interest rate
9.95 % p.a
Comparison rate
10.32 % p.a**
$10,000 + Fully Secured (unprotected)
Interest rate
13.95 % p.a
Comparison rate
14.34 % p.a**

*This comparison rate is based on a loan of $10,000 loan over 3 years.
**This comparison rate is based on a loan of $30,000 loan over 5 years.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.

We can make your dreams come true, whether you are looking at a holiday, planning your wedding or fitting out your new home, our Personal Loans offer low interest rates, no ongoing fees and flexible repayments options.

Maybe you need to piece together your current finances. Why not simplify your life and combine your current debts into one loan, one regular payment and one lender.

Special Offer! Personal Loan Repayment Holiday
Apply for a Personal Loan with The Capricornian before 28th February 2017 and enjoy the first month as a repayment holiday1 (no repayments) and $0 establishment fee.

Features and Benefits:

  • Competitive interest rates
  • No penalty for extra payments or early payouts
  • No monthly loan fees
  • Free online and mobile banking redraws

Key Features:

Available to Individuals
Minimum loan amount $5,000
Maximum loan amount $75,000
Loan Period Up to 5 years
Repayments Monthly / Fortnightly / Weekly
Additional Repayments Yes without penalty
Redraw Facility Available
Application Fees $0 until 28th of February 2017
Monthly Fees No
Loan Repayment Insurances Available2

Fees and Charges

How to get your loan approved quickly


Credit eligibility criteria, terms and conditions, fees and charges apply.

1Your first monthly payment will be due two (2) months following the funding of the loan, although interest on the principal loan amount will still accumulate. Repayments will be calculated over the remaining term of the loan contract. The Capricornian may withdraw this offer at any time without notice. The Capricornian Ltd Australian Credit Licence/AFSL 246780
2Protected means you have chosen to protect your loan with Consumer Credit Insurance (CCI). You can choose to protect your loan with (CCI) which is designed to meet your loan obligations and provide you with the security that your major commitment will be take care of in the event of certain unforeseen circumstances including unemployment, sickness and accident, trauma and life.
This is general information only and does not take into account your individual objectives, financial situation or needs. Before making decisions about any of these insurance products you should consider the appropriateness of the information having regard to your circumstances and the applicable Product Disclosure Statement (PDS), available at any Capricornian branch, or by calling 1300 314 900.