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Qudos Bank personal loans
Formerly known as Qantas Credit Union, Qudos Bank has delivered financial services to customers in Australia for over 55 years. Originally serving as a credit union for Qantas employees, today it serves members of the general public.
Qudos Bank offers Australians personal loans, home loans, credit cards, savings accounts, everyday bank accounts, term deposits, wealth management services and other banking products.
Qudos Bank has 11 branches for its 100,000-plus members to visit.
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Qudos Bank Personal Loans
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Personal Loans calculator
Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.
Your estimated repayments
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- This is an estimate of how much you would pay (weekly/fortnightly/monthly) based on your borrowing amount, interest rate and loan term.
- Calculations assume that details entered into calculator, including interest rates, do not change for the lifetime of the loan.
- Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
- Months are assumed to be of equal length. However, given that some months are longer than others, interest charged by vary depending upon the month.
- The calculation rounds of the personal loan repayment to the closest dollar value without decimals.
- All calculations are estimates only; there are no guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
- Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
- Calculator does not include the cost of fees or other extra charges.
- Calculator does not account for changes to interest rates over time.
- This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Read our full disclaimer.
Features of a Qudos Bank personal loan
Qudos Bank has only one personal loan option available to its members. This is an unsecured loan and comes with a variable interest rate.
Personal loan interest rates from Qudos Bank are moderate in comparison to other personal loans in Australia.
Loan terms of up to seven years are available. Customers of Qudos Bank can borrow up to $25,000 or as little as $5,000.
Potential borrowers should anticipate paying an upfront fee to begin their loan. However, there are no ongoing fees on Qudos Bank personal loans.
Qudos Bank borrowers have weekly, fortnightly and monthly repayment options for their personal loans.
Qudos Bank personal loans - customer service
Qudos Bank has 11 branches for its members to visit, with most offices located in New South Wales.
Members who are unable to visit Qudos Bank branches can receive assistance by phone or online.
Who is eligible for a Qudos Bank personal loan?
The following eligibility criteria applies to Qudos Bank personal loans:
- Must be at least 18
- Must be a resident of Australia
- Must show a history of income and employment
- Must pass a credit check
How to apply for a Qudos Bank personal loan?
Applications for Qudos Bank personal loans are accepted via the following avenues:
- In branch
- Over the internet
- By phone
Qudos Bank personal loans review
Qudos Bank offers personal loans between $5,000 and $25,000. As such, Qudos Bank personal loans may be appropriate for expenses such as a holiday or a wedding but not for small personal items like a computer or an instrument.
Qudos Bank personal loan rates are considered moderate when compared to the rest of the market. Members looking to save money should use RateCity to find the best personal loan rates available for their circumstances.
Qudos Bank personal loans do not come with any ongoing fees, which may provide some cost savings. However, borrowers should expect to pay a moderate upfront fee to start their loan.
Borrowers anticipating an improvement in their financial situation could take advantage of no early exit penalty fees from Qudos Bank by paying off their loan early.
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.