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Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,403. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.24% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For personal loans $5001 and greater, APR starts from minimum 7.59% (12.24% comparison rate) and a maximum of 48% (48% comparison rate). The minimum loan term is 12 months and the maximum loan term is 24 months. 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 with the lender that finances your loan.