Personalised rate for your personal loan

Bene offers fixed-rate  personal loans that can be used for major purchases, special occasions or to pay out existing debt.

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​Personalised loans up to $30,000

Interest rate as low as 8.99% p.a.

Comparison* rate 9.67% p.a.

No ongoing fees

No early repayment fees

​Choose terms between 6 months to 5 years

Fixed rates and fixed repayments

*This is based on our average interest rate of 8.99% (9.67% comparison* rate) with the inclusion of a $295 establishment fee. Total repayments $37,569, made up of an establishment fee of $295 and interest of $7,274. 

​Bene personalised loans

​Bene loans are tailored to meet your personal needs.  
From holidays to household items, a Bene personal loan has you covered.

Holiday and travel

Motor vehicles and related expenses

Household goods and improvements

​Debt consolidation

​Weddings and special events

​Other

​What’s the difference between personal loans and personalised loans?

​​A personal loan is form of credit that is typically used for a specific purpose, such as ​buying a car, financing a holiday, consolidating debt, or renovating a home.

​​A personalised loan is a loan that is tailored for your needs, wants and wishes! We have rates that are personalised to you. So whether it’s buying that dream car, doing a home makeover or scooting off to Italy, we can help you get there!

Personal Loan application process

​It's as easy as 1, 2, 3

​Complete your loan application in as little as 3 minutes.

​Compare your options

Commonwealth Bank

Latitude

MoneyMe

Interest Rate

From 8.99% p.a.

Comparison* rate 9.67% p.a.

From 12.99% p.a.

Comparison rate 13.86% p.a.

From 13.99% p.a.

Comparison rate 15.19% p.a.

From 8.99% p.a.

Comparison rate 12.36% p.a

No ongoing fee

X

X

X

No penalty fee early payout

X

No penalty fee extra payments

X

X

100% online application

X

X

Source: Relevant company websites, 18 April 2019

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* 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.

​Need a personal loan?

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.