A Bene Loan Means Endless Possibilities


Bene Personal Loan Applications

As featured in:

Australian Financial Review
Fintech Futures

Better finances.
Better goals.
Better banking.

Starting with personalised loans, we're building a bank* that's all about our customers.

We make it easy and fast to apply - and our tools will help you to better track and manage your credit and become better with your money.

* Bene is not a bank or an authorised deposit taking institution (ADI), and is not authorised by the Australian Prudential Regulation Authority (APRA) to conduct banking business in Australia. Bene intends to apply for an authorisation to conduct banking business in Australia, initially for a limited period with specific requirements and restrictions as a restricted ADI.

Applying for a loan

​​​Hi, we are Bene and we’re all about using the latest technology to put you in touch with your money ​whenever you need it and wherever you are.

All about you

​Bene’s founders know the banking industry from the inside. Their experience, and the insights we have from listening to customers like you, tells us that banks have lost touch with the people they are meant to serve. That’s why we started Bene – to build a new bank that’s all about YOU.

Bene is better

​​Bene means “well”, “good” and “honourably”. That’s Bene. We’re a small team of banking and technology activators inspired to do better. Think better, think Bene.

Personalised finance

​​Bene is Australia’s newest personalised lender, providing simple, fast and manageable loans. We’re young but, just like our customers, we have big aspirations to be better for you.

Latest technology

​Technology has changed the way we interact and the way we do business, but banking has hardly changed. Bene is building a better bank that will give you greater control of your finances whenever and wherever you are.

Smiling Lady

We want to hear from you

​Got an idea that would make Bene better for you? Let us know, or follow us.

Sign up to our community to get the latest updates.

​The Bene Mission

​We strive to make your life easier


​Cutting confusion and helping when and how you need it


​Crunching the data that will help make you better with your money


Start lending within seconds and get your approvals just as quickly


Your finances in one place - know where you are and more importantly where you're going

Giving back

Helping you help others through our contribution and yours

fintech member bage
Banking Oath

The not-too-small print

Approved Customers Only. Terms, conditions, fees and charges apply. All applications are subject to lending and approval criteria. For a Bene Personal Loan, an Excellent Credit Rating is as determined by your Credit Score from any of the Credit Reporting Bodies we have an association with.
Comparison rate warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
What is a comparison rate?
A comparison rate is a tool to help customers identify the true cost of a loan. It is calculated using a standard formula. It is a rate which includes the interest rate and certain fees and charges relating to a loan. EXAMPLE: An unsecured personal loan of $15,000 borrowed for 3 years with a minimum interest rate of 9.99% pa (11.36% pa comparison rate) would equate to a total amount payable of $17,422 (including a $295 establishment fee).
What is not included in the comparison rate?
The comparison rate does not include government charges, fees and charges associated with loan options or events that may or may not be used by the borrower or which are not available at the time the comparison rate is provided, all of which may influence the cost of a loan.
Other important information
Results from the calculators should be used as an indication only, and they do not represent either a quote or pre-qualification or approval for a loan. The calculator should only be used as a guide to see how loan repayments can vary when you change the loan amount, interest rate and loan term.
We welcome additional payments, and Bene does not apply an early termination fee.
Bene recommends that you read the
Terms and Conditions and Privacy and Credit Reporting Policy of the website.