Latitude Fixed-Rate Personal Loan With Tailored Rates and No-Fuss Repayments From $5,000

Clear, tailored lending for everyday Aussies

The Latitude Fixed-Rate Personal Loan gives Australians a straightforward way to borrow from $5,000 with interest rates personalised to your credit profile. Latitude Financial Services calculates a fixed rate based on your credit score and circumstances, so the rate you see reflects your financial position rather than a one-size-fits-all offer.

That tailored approach makes this fixed rate personal loan attractive for households planning home improvements, consolidating higher-cost debts, or funding a car without the surprises of variable repayments.

Secured versus unsecured — pick what suits you

You can choose a secured loan if you’ve got an asset to offer as collateral, which often lowers the cost of borrowing; alternatively, an unsecured loan avoids handing over security but usually attracts higher rates. Latitude Fixed-Rate Personal Loan options let you weigh lower interest against the convenience of no security required.

Consider the value of the asset, how long you plan to keep the loan, and your comfort with using security. For many borrowers in Australia, a secured arrangement reduces monthly costs while unsecured loans suit those prioritising flexibility.

Predictable repayments and transparent terms

One of the main draws of this product is fixed monthly repayments — you know exactly what leaves your account each month. Latitude Financial Services offers set payment schedules which help Australians manage household budgets and avoid the shocks of rate rises.

Be aware of the fees you’ll face: a $395 application fee, a $13 monthly account fee and potential early repayment costs. These charges affect the effective cost of the loan, so include them when comparing APRs and total repayment amounts.

How to apply, who benefits and smart tips

Applying online is straightforward: have ID, payslips and bank statements ready to speed approval. The Latitude Fixed-Rate Personal Loan suits borrowers with a steady income and plans for borrowing from $5,000 up — it’s ideal for medium-sized expenses or debt consolidation across Australia.

To get the best rate, check your credit report, reduce existing card balances, and compare offers. If your score is strong, you’re likeliest to secure the lower personalised fixed rate. Always read the product disclosure statement and compare total costs before you sign up — and consider talking to a financial counsellor if you’re unsure.