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Upgrade your lifestyle with a personal loan

Our personal loan can be used for renovating your home, booking your next holiday or upcoming wedding celebration. Maybe you’d like to piece together your finances, simplify your life and combine your debts with one regular repayment. Whatever the scenario, we can help make your dreams come true.

Savings tips

Simple ways to fast-track your financial goals.

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Get approval

Documentation you should bring to your appointment.

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Repayment calculator

Use our loan calculator to work how much 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
  • Minimum Loan Amount $3,000 – Maximum Loan Amount $30,000

Loan Type Variable Interest Rate Comparison Rate 1
Unsecured personal loan (term up to 5 years) 12.84% p.a 13.29% p.a

Rates effective from 13/11/2023


  • 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.

Unsecured personal loan products available to individuals only. *Product not available to business customers.

**In branch redraw fee of $30 applies. No ongoing monthly or annual fees for the duration of the loan.

¹This comparison rate is based on an unsecured personal 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. Loan interest rate will be confirmed in offer documentation.

Consider the relevant Target Market Determination (TMD).

You are eligible to apply for a personal loan if you are over 18 years of age, live in Central Queensland (SA4), 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).


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